vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX and the School along with Sallie Mae/Navient enrolled me in a Predatory Subprime Private student loan on XX/XX/XXXX for {$14000.00} with a 13.25 % interest rate and knowingly my credit score was under a XXXX score immediately should've been denied for this loan. Fast-foward the loan has doubled and Sallie Mae/Navient sold my account on XX/XX/XXXX to a collection agency who has taken legal action through the courts and I'm having my income garnished {$920.00} at a higher interest rate and the balance is now over {$88000.00}. So I am a sweet member and I qualify for the predatory subprime private student with the NavientAGSettlement for this private loan. So I submitted a Misconduct Discharge to Navient and they denied me for a loan that they provided to school and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ). 

Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX  XXXX account # XXXX on my credit report. This account has been reported inconsistently across the three major credit bureaus, with several discrepancies that need immediate correction : XXXX : The account is reported as a collection agency with a last active date of XXXX and is shown as closed. 
TransUnion : The account is also reported as a collection agency, but with a last active date of XXXX, and is listed as open. 

Despite these conflicting statuses and dates, the account shows no late payments or any other negative information. The inconsistent reporting is misleading and potentially harmful to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), requires that furnishers of information report accurate information to credit reporting agencies. The discrepancies in the reporting of this account, including differing last active dates and the conflicting statuses of being open and closed, violate this provision. Furthermore, under 15 U.S.C. 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure maximum possible accuracy in the information they report. The current discrepancies indicate a failure to comply with this requirement. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account with collection agencies without proper and consistent documentation may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e, which prohibits the use of false or misleading representations in connection with the collection of a debt. Additionally, the inconsistent reporting and collection status may violate 15 U.S.C. 1692f, which forbids the use of unfair or unconscionable means to collect or attempt to collect a debt. 

Request for Immediate Action : Given the aforementioned violations, I am requesting the immediate removal of the XXXX  XXXX XXXX XXXX  account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report from Transunion said that my XXXX XXXX  credit card was closed. I disputed this, as it is an open, active account. Their response was to delete the card entirely. My credit score dropped significantly because of this. I've contacted them numerous times to fix this, but after several months, it's still not taken care of. My latest attempt, the case was escalated, and I was told it would be resolved in XXXX business days. That was over XXXX weeks ago, still nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
On several occasions, XXXX XXXX XXXX was asked to correct several errors they reported on my credit file. During the XXXX outbreak, my wife asked XXXX to adjust her account as other companies did ; XXXX refused to make any concessions. XXXX affected the world, but XXXX refused to work with her, nor could we ever use their facilities as they promised. XXXX instructed my wife that she could sell the timeshare if unhappy. 
As a XXXX veteran, I found myself in a particularly challenging situation during the XXXX outbreak, and the doctor removed me from the workforce. Unable to work, I, like many others, sought relief from financial obligations. My wife, too, requested XXXX to adjust her account during this difficult time. Despite filing all the necessary paperwork for a hardship payment, XXXX did not offer any assistance, unlike our mortgage company. 
Therefore, my wife asked XXXX to sell the timeshare. XXXX stated she could not sell it, and they refused to work with her during XXXX. XXXX received millions of dollars in XXXX, yet they would not grant my wife any relief during XXXX. XXXX foreclosed on the timeshare, and they repurchased it supposedly for {$100.00}. XXXX then reported the property, which was my wife 's primary and I was only secondary. However, XXXX refused to report this account as it was listed, and they are reporting this account to the Credit Bureau as XXXX separate individual accounts. I have disputed this with them several times, and they have refused to correct it. They also pulled several credit checks on my credit file without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT Account # XXXX In accordance with 15 U.S.C. 1692c ( c ), I demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: TN

Complaint narrative:
I am filing this complaint because I noticed unauthorized inquiries, inaccurate names, and an inaccurate address on my consumer reports with the 3 National Consumer Reporting Agencies. I did not initiate or authorize any of the information to be on my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: Chime Financial Inc
State: VA

Complaint narrative:
I was incarcerated from XX/XX/XXXX - XX/XX/year> and during that time my account was hacked and all my money was used on my account i contacted chime to submit a dispute on XX/XX/year> once i did i received a email the same hour saying my claim was denied and i called them back and submitted a rebuttal and now in waiting to hear back from them, i don't believe they properly investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I previously filed complaint XXXX. Mohela responded that my account was put into forbearance as a result of the SAVE plan being on hold. The CFPB closed the complaint based on their response, which was a lie. I have NOT been put into forbearance. In fact, Im now showing as past due, stranded in the level payment plan because they didnt process my SAVE application for two months before the court paused the SAVE plan. Now Im stuck either paying monthly payments that wont count towards the IDR forgiveness Ive been working towards for 15 years, or being delinquent and ruining my credit score. I was deceived into consolidating by my servicer and am now being financially harmed as a direct result of their negligence. All I want is either put in the SAVE plan that I applied for and was in prior to consolidation or to be put into non-interest bearing forbearance like all the other borrowers who were lucky enough to have a loan servicer that isnt incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX. 

Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: GA

Complaint narrative:
XXXX XXXX XXXX - XX/XX/year> - XXXX recently spoke with this company regarding a collections debt that is on all three of my credit reports. The creditor is XXXX. Ive requested on multiple occasions from this collector a debt validation letter and theyve refused to provide me with what Ive requested. Each time Ive requested the debt validation letter, they share that they can only provide a receipt of the total amount ( last bill ) from the company. I shared with the collections team that I needed to review a contract of some sort to confirm that it was me that had the debt and each time, I am denied or not provided a follow up of my request. Their only attempt is to collect on the account. They advised that it should be me that should contact XXXX regarding what Ive requested 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX - XX/XX/year> - XXXX recently spoke with this company regarding a collections debt that is on all three of my credit reports. The creditor is XXXX. Ive requested on multiple occasions from this collector a debt validation letter and theyve refused to provide me with what Ive requested. Each time Ive requested the debt validation letter, they share that they can only provide a receipt of the total amount ( last bill ) from the company. I shared with the collections team that I needed to review a contract of some sort to confirm that it was me that had the debt and each time, I am denied or not provided a follow up of my request. Their only attempt is to collect on the account. They advised that it should be me that should contact XXXX regarding what Ive requested XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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