vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX ) XXXX XXXX XXXX XXXX : Inaccurately reporting late payments. In accordance with the Fair Credit Reporting Act, furnishing any account activity without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an open end consumer credit plan as late for any reason.

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 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Date XX/XX/XXXX LVNV FUNDING LLC This company has violated 18 USC Sec. 242 and 42 USC Sec. 1983 42 USC See. 408

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On XXXX XXXX I received a copy of my consumer report and I recognized multiple accounts listed on my consumer report fraudulently. National credit systems acct # XXXX XXXX acct # XXXX according to the FDCPA 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC

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 2024-02-03 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: GA

Complaint narrative:
This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC

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 2024-02-03 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I attempted to verify this debt and received an invalid response that did not satisfy original requiest. I originally requested that Target send me a signed contract, instead I recieved a copy of a bill. According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provide requested information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: NV

Complaint narrative:
I Have Been a Victim Of Identity Theft.

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 2024-02-03 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts

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 2024-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I hope this letter finds you well. It took me years to gather up the courage to write this letter to bring to your attention a grievous matter concerning my experience with Navient, my former student loan servicer. I am reaching out to you as a last resort after enduring prolonged emotional distress and substantial financial damage caused by the company 's actions. 

After financing my education at a XXXX XXXX XXXX in Oregon through federal student loan programs, I found myself facing significant challenges with Navient. The ordeal began shortly after my Grace Period ended in XX/XX/XXXX. Despite my best efforts to submit income verification documents to Navient 's website, technical glitches persistently thwarted my attempts. What followed were interactions with their customer service representatives that only deepened my frustration and despair. 

For over a year, XX/XX/XXXXXXXX  XX/XX/XXXX, I found myself caught in a frustrating loop, repeatedly uploading required documents to a portal, receiving non-compliance notifications, and starting the process anew. During this time, Navient capitalized interest on my loans, resulting in an alarming six-figure interest capitalization that inflated my total student loan debt to an overwhelming $ XXXX. 

The breaking point came when Navient finally acknowledged that the portal they directed me to was defunct and unmonitored. The toll on my mental health was devastating. Enduring tearful phone calls and falling into a XXXX  XXXX and associated weight gain which my family and close friends can attest to. 

Now, as I navigate the process of consolidating my student loans to access Income-Driven Repayment benefits, I find myself facing the haunting repercussions of Navient 's actions. I'm compelled to shed light on my experience and seek justice for the mistreatment I endured.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
Transunion credit reporting is reporting a collection account XXXX XXXX ( original creditor ( XXXX XXXX ) as open. A collection account can not be reported as open. This is a FCRA violation to report false inaccurate information. Please remove from 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
ON XX/XX/2024, I MAILED WRITTEN COMMUNICATION IN THE FORM OF A CEASE AND DESIST LETTER TO PORTFOLIO RECOVERY ASSOCIATES REGARDING UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNTS # XXXX {$1400.00} # XXXX {$3200.00} REFLECTING ON MY XXXX, XXXX, AND XXXX CONSUMER REPORTS IN VIOLATION OF 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) - ( B ) ( I ) - ( II ). IN ADDITION, I SENT A COPY OF THE CEASE AND DESIST LETTERS TO XXXX, XXXX, AND XXXX DISPUTING SAID ACCOUNTS. DESPITE MY CEASE AND DESIST LETTER, PORTFOLIO RECOVERY ASSOCIATES STILL CONTACTED HAS STILL CONTINUED TO FURNISH SAID UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION TO THE XXXX CONSUMER REPORTING AGENCIES IN VIOLATION OF THE FDCPA AND THE FCRA THEREBY HAVING IT REPORTED ON MY CREDIT FILE AND CONSUMER REPORT. 

XXXX HAS DELETED THIS UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION FROM MY CREDIT FILE AND CONSUMER REPORT. HOWEVER, XXXX AND XXXX ARE STILL REPORTING THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: MT

Complaint narrative:
I currently have 12 loans which Mohela services. I work for a state agency so my payments should be counting towards public loan forgiveness. However 3 of the loans are in a " Forbearance '' status and 5 are in a " Grace Period Status '' and I was told by Mohela this means that any payments on those loans do not count towards PSLF.

I do not know why the loans have those statuses, I never requested that they be in a grace period or forbearance period. I want them to all be in repayment status so that I am making qualified PSLF payments towards those loans. 

I have called Mohela twice about changing the status of these loans to a repayment status, once in XX/XX/XXXX and XXXX in XX/XX/XXXX. Both times they told me they would change the status to repayment but they never actually made any changes. So I have essentially been working for a state agency for the last 7 months yet none of that time will count towards PSLF because Mohela refuses to change the status of my loans, statuses which, again, I never requested in the first place.

I just want them to change all of my loans to repayment status so that I can be making qualified PSLF payments, and I am frustrated that the last 7 months of time I have been working for a public agency are not counting towards my loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have no knowledge of this account which is roommate got my identity information I was not aware of. which is causing my credit report to go bad. also, I asked the company to show me the proof of paperwork and they failed to provide it. and that's why I need your kind concern to resolve it. thank 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
Consumer complaint received 2024-02-03 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: U.S. BANCORP
State: FL

Complaint narrative:
Hi! 

A Company named XXXX XXXX, from Delaware, made a hard credit inquiry on my XXXX, and perhaps other as well, credit report. This happened on either XX/XX/XXXX or XX/XX/XXXX. I don't know this company nor I haven't asked for any loan or credit card with them. I am concerned this may be a fraud attempt. I've been forced to waste a lot of time on calls ( called XXXX XXXX XXXX several times with no result ) and emails. 

Parallel to this, on XX/XX/XXXX, ANOTHER company I know nothing about, US Bancorp, made another inquiry on my credit score. This one happened at least on XXXX, perhaps other reports as well. Same situation, I haven't asked any financial product there and I am concerned this may be a fraud attempt. In this case I had no information on how to contact them so I haven't written nor called.

Would appreciate a lot your help on this, finding out what happened, prosecuting these two companies and fixing this information in all three of my credit reports ( at least XXXX XXXX, XXXX ) as these companies are violating my rights and damaging me. Also, if possible, would appreciate some email or evidence supporting that I'm making this claim. 

I only have screenshots of XXXX XXXX / XXXX  showing this credit inquiries, will provide as needed. 

Thank you so much and kind regards

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 2024-02-03 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:
consumer applied for a personal loan with XXXX XXXX XXXX XXXX as a federally protected consumer I have notified the credit agencies Transunion, XXXX and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 XXXX IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED XXXX PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION

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 2024-02-03 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: FL

Complaint narrative:
consumer applied for a personal loan with XXXX XXXX XXXX XXXX as a federally protected consumer I have notified the credit agencies XXXX, Equifax and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 XXXX IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED XXXX PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CBC Companies, Inc.
State: NY

Complaint narrative:
Hard inquiry on XX/XX/year> from factual data, I did not request or authorize this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: SC

Complaint narrative:
Transunion, XXXX, XXXX is reporting inaccurate information on my consumer credit report. They are reporting late payment, charge off and inquiries and promotional inquiries in which I never approved. Also they are reporting my utilization in which they are not suppose to .The law states its illegal to report late payment history. The IRS states that charge offs are consider as income and should not be reported on ones consumer report. They are also in violation of the privacy act of 1974 5usc552 ( a ).

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 2024-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This issue is regarding my XXXX XXXX Credit Card. I confirmed before receiving the card that my statement closing date is the XXXX of every month. After activating the card in XXXX, I received my first statement on XX/XX/XXXX. This statement reflected the payment I made on time with my available credit nearly full. The statement I received also indicates the billing cycle length is 31 days, which further validates that my next statement was supposed to be generated on or near XX/XX/XXXX. 

I have made all of my payments on time and kept my utilization percentage at 10 % or less for credit reporting purposes nearing the statement closing date. Today, on XX/XX/XXXX, my credit score dropped XXXX points because XXXX XXXX reported a balance of more than {$400.00} to the credit bureaus, several weeks before the next scheduled statement/reporting date. 

I have only been using this card for a little over a month and Ive already had a problem with an unauthorized charge on the account, which I reported a few days ago. After adding up my previous statement balance and the 2 most recent transactions I made after XXXX statement closed, it seems XXXX XXXX has added these up and reported them to the bureaus outside of my scheduled reporting date. 

This action has absolutely wrecked my credit score and needs to be corrected by the business immediately.

Company response to consumer: Closed with explanation