vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the Past 6 months i have disputed mutiple times a couple accounts with transunion. Transunion continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verfication when asked by a consumer. There are many deviations according to the standards et forth by Metro 2 that are not being followed for this reporting of the following accounts. i demand that these accounts be removed immediatly from my credit report as Transunion has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been sumbitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all 3 of my bureaus, Experian, XXXX, and 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX. I received an email from Experian Alerts ( XXXX  ). The email informed me that my credit rating had dropped by XXXX points. What they didn't notify me, was the reason for such a significant drop. There was a link to my Experian account which I opened. A report informed me that my credit score had dropped by XXXX points to XXXX. It further alerted me that lenders would now consider me a higher credit risk. 

I contacted my bank to review my revolving accounts and they admitted that they do report financial information to Experian, but after a thorough review could find nothing to support any reduction in credit rating. A point of fact is that all my accounts are listed as exceptional and top rated. 

The two other credit rating bureaus, XXXX and XXXX, have not dropped my credit rating, and have in fact increased it during the same time of the Experian action. 
Everything I am submitting can be easily verified, and I have all supporting documentation to strengthen my position. Citizens who follow all the credit rules should not be treated this way. I need your help to correct this.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
They are different name and different address on my Credit Reports and are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MS

Complaint narrative:
Due to error with XXXX XXXX XXXX bill my account was closed on the behalf of XXXX XXXX XXXX and set off the collections agency. XXXX XXXX is whom they sent the bill to for {XXXX} AFTER CORRECTIONS WAS MADE MONTHS LATER ON XXXX XXXX XXXX. In XX/XX/XXXX I set up arrangements to settle the account for 50 % they offered to settle the account for {XXXX}. I agreed and set the settlement up on installments. XXXX XXXX, XXXX is when the settlement was paid off in full and closed. XXXX notified XXXX & XXXX XXXX XXXX that my account was closed and settled. I received another phone call from the a different collections agency known Enhanced Recovery XXXX  regarding an outstanding balance that is still reflecting on my XXXX XXXX XXXX account that is suppose to be closed and settled. I spoke with XXXX XXXX XXXX through last week starting XX/XX/XXXX, and XXXX spoken with numerous of reps at XXXX XXXX XXXX collections department I also conference XXXX  on the call regarding to my account that I had with them from XXXX XXXX XXXX. I Settled the account with XXXX. XXXX XXXX XXXX refuse to closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-10 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: CO

Complaint narrative:
Navient is not allowing me to make automatic payments. 

This is the popup I receive when attempting to use the auto pay : Were sorry you cant enroll in Auto Pay at this time. 

I have been making periodically payments to Navient. 

I'm receiving notices in the mail from a debt collector regarding my Original Creditor : Sallie Mae Bank, Current Creditor : Navient. 
The debt collector is : XXXX XXXX XXXX, XXXX, they are offering to settle my debt. 

Please provide me with information on how I should proceed. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
They are different name and different address on my Credit Reports and are incorrect

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
They are different name and different address on my Credit Reports and are incorrect

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/2022 Midland credit have been sending me bills speaking about a balance for a previous credit card and the amount of {$520.00}. Every month I send them {$20.00}. On XX/XX/XXXX I had called in to see what the amount was that I could pay it off. They offered me a deal of {$470.00}. I then had to go to a friend to borrow the money I loaded it on a prepaid XXXX card. I called them back and gave him the information on the card along with the security. They kept saying that they didn't receive the amount ended up the card was declined. When I had called the cord later within XXXX minutes the card had been completely drained and was spent at numerous places like walmart.com. the people told me that they were with Midland credit they even gave me an account number and everything. I have no idea on what to do next. And they recently sent me another bill for a {$20.00} due by the end of the month the difference is now it's a different XXXX XXXX XXXX they have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all 3 of my bureaus, XXXX, XXXX, and TransUnion.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all XXXX of my bureaus, XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the Past 6 months i have disputed multiple times a couple accounts with Equifax. XXXX continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verification when asked by a consumer. There are many deviations according to the standards set forth by XXXX XXXX that are not being followed for this reporting of the following accounts. I demand that these accounts be removed immediately from my credit report as Equifax has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been summitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following Accounts : 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
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
After filing a complaint with the CFPB the company responded and requested that i file an application for hardship along with a statement and return same. I followed the companies request and received a denial notice stating i needed to submit further documentation in regards to my situation. I completed a hardship form from there site along with a statement as they requested. I am in fear that my vehicle will be repossessed at this point and i only want to work out a solution to keep the vehicle and get back on track with the payments. I am unable to come up with three months of payments and i am sure i will be receiving a " Right to Cure Notice '' from Pentagon Federal Credit Union. 

This is there response : Dear XXXX XXXX XXXX, Thank you for contacting us about your loan ( s ). Based on a review of the information you provided to us on your Financial Hardship Application received on XX/XX/XXXX, your request for assistance is incomplete and requires additional information from you. In order to complete your application, please provide the following forms, documentation or information : Completed PenFed Financial Hardship Application : Detailed explanation of hardship as requested on page one of the Hardship Application. The Used Vehicle Refinance Loan account that you are requesting assistance on was just taken out in XXXX of XXXX, and we have received only received 2 payments on the account ; in order for us to offer assistance on the account we need to better understand what has changed with your finances in that short time to cause the financial hardship. Your explanation provided states the hardship had not began in XX/XX/XXXX. 
Documentation to verify your stated hardship reason dated within the last 90 days : Documentation verifying how the XXXX or XXXX caused your financial hardship ( ex : unpaid leave/FMLA, unemployment, reduction in income, medical bills, etc ) **please do not send detailed medical information** **DOCUMENTS MUST BE DATED WITH THE LAST 90 DAYS TO BE CONSIDERED VALID** The necessary documents and/or information to make your application complete must be received by XX/XX/XXXX. Please do not send documents directly to your analyst as it does result in excessive delays for review. You may send them via upload on the website through your online account, fax to XXXX, email to XXXX, or by mail to : Pentagon Federal Credit Union / Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX PLEASE DO NOT SEND DOCUMENTS TO ME DIRECTLY AS IT DOES RESULT IN UNNECESSARY DELAYS. ALL DOCUMENTS ARE REVIEWED IN THE ORDER OF RECEIPT. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : ( XXXX ) XXXX ext XXXX | F : ( XXXX ) XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX

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 2022-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: KAHRS LAW OFFICES, PA
State: NC

Complaint narrative:
Good afternoon, Kahr 's Law Firm garnished my paycheck despite me disputing this loan. I informed them that I was not aware of the loan. The were not able to provide me anything with my signature just something that was filled out online which anyone could have completed. I was not notified of this debt by the original creditor. I was told that I supposedly took the loan out in XXXX and the garnishment did not happen unlit XXXX 2 years later. Please check into this as I feel that this was a true violation of my consumer rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I, XXXX XXXX did not give XXXX, Equifax, XXXX written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, 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 the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I, XXXX XXXX did not give XXXX, XXXX, Experian written instruction

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