vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference.

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 2024-11-14 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: SLM CORPORATION
State: WA

Complaint narrative:
My student loans were taken out under fraudulent terms. Sallie Mae has publicly been under fire and has had whistleblowers from XXXX discuss the illegal and fraudulent practices Sallie Mae executed in partnership with the XXXX XXXX XXXX XXXX  ( XXXX  ). Several of the whistleblowers were my student advisors who used the tactics to scam my family and I into taking out loans they knew we could never repay. I have letters, emails, and news articles to prove this. Sallie Mae, after numerous legal battles, then decided to sell the debt collected by not just my family but thousands of others. I tried for years to lower my payments and ask for easier payments which they denied. Both of my parents are Veterans and no options were sent to give them assistance. My mother poured her savings and retirement into Sallie Mae under the threat of legal action when in fact Sallie Mae should not have preyed on Veterans and low income families like myself. I have tried to get the loans dismissed as my Federal Student Loans take out for XXXX  have been wiped away thanks to the Borrowers Defense To Repayment Act. The government agreed that I was tricked into taking out this money. Since Sallie Mae sold my loans I have been harassed consistently from their debt collectors AND the new ones who bought the outstanding balances. 

I am requesting a complete refund of all the money my family gave to Sallie Mae and I want the harassment to stop. This is a federal crime now and I will not let Sallie Mae get away with ruining my families credit and causing insurmountable stress on our well being. This has directly and aggressively impacted my family financially and caused financial issues such as housing and health care since we are unable to pay for food and rent and basic living needs. I want all of our money returned and for the debt to be wiped from our credit reports. Attached you will find proof of Sallie Maes wrongdoings and my case has already been sent to the Federal Government. As I said my federal loans for XXXX  are being dismissed due to the fraudulent practices executed by Sallie Mae and it should be illegal for them to sell debt that was acquired illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I saw unauthorized inquiries on my credit report, and I have no idea why they're there. I check my report regularly, but this time I was shocked to find discrepancies that seemed to appear out of nowhere. I even refreshed my browser to rule out a glitch, but they remained. I'm frustrated by this issue and request that the documents I've submitted be reviewed thoroughly so I can finally put this worry behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: MO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
I have inquiries on my credit that I didnt initiate. I contacted the companies to no avail. I contacted TransUnion, XXXX and XXXX again to no avail.

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 2024-11-14 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: PA

Complaint narrative:
I have inquiries on my credit that I didnt initiate. I contacted the companies to no avail. I contacted XXXX, Equifax and XXXX again to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
I have inquiries on my credit that I didnt initiate. I contacted the companies to no avail. I contacted XXXX, XXXX and experian again to no avail.

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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint against TransUnion for retaining unauthorized inquiries on my credit report, which I did not initiate or authorize. Upon reviewing my credit report, I identified the following inquiries that lack my consent : XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX I contacted these creditors directly, and they confirmed that they do not have any record of my authorization, either written or verbal, for these inquiries. Despite this, TransUnion has failed to remove these inquiries from my report, thereby damaging my creditworthiness. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Unauthorized Inquiries ( FCRA, Section 604 - 15 U.S.C. 1681b ) Under Section 604 of the FCRA, credit reporting agencies are only permitted to include inquiries that have a legitimate business need and verifiable consumer authorization. Since no authorization or permissible purpose exists, these inquiries should be removed from my report immediately. 

Failure to Remove Unverifiable Information ( FCRA, Section 611 ( a ) ( 5 ) ( A ) - 15 U.S.C. 1681i ) Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that any information disputed by a consumer that is determined to be inaccurate, incomplete, or unverifiable must be deleted promptly after investigation. TransUnions retention of these inquiries without proper verification is a direct violation of this provision.

Verification Requirements ( FCRA, Section 609 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681g ) Section 609 ( a ) ( 1 ) ( A ) mandates that each inquiry included in a credit report be backed by a verifiable original consumer contract with my signature. Without such proof, any inquiry lacking my consent should be promptly removed to ensure compliance with the FCRA.

Impact on My Financial Standing : The presence of these unauthorized inquiries on my credit report is unjustly lowering my credit score and limiting my access to credit. This is causing harm to my financial reputation and impacting my ability to conduct personal business effectively. 

Sincerely, 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 2024-11-14 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 
- A copy of my Identity Theft Report and proof of my identity.

- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal Credit Union has been charging my account with numerous amount of overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX. Part of the divorce agreement was putting my ex-husband 's name on all the debts for the house that he was staying in. That included a company called XXXX XXXX XXXX XXXX  was contacted by myself and my account was closed with them. My ex-husband was supposed to pay the bill as I didn't even live in that house anymore. He claims he did. In the divorce that debt was to be paid by him. XXXXXXXX XXXX turned it into collection. I disputed the debt and turned it over to the court. Again the ex-husband said he paid it. XXXXXXXX XXXX said it was taken care of the collection agency said it was taken care of it was disputed at all the credit agencies. A year past. I got another collection agency trying to collect this debt. I repeated the process and was told it was taken care of. Today, a third agency has now bought a XXXX debt and is trying to collect it. This debt has been reported as disputed at two other collection agencies. Transworld systems Incorporated of XXXX XXXX Illinois is now trying to collect on an old disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these XXXX actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 

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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit and noticed an XXXX XXXX XXXX I did not apply for and called the company and told them about it and come to find out the card was mailed to XXXX  which I have never been to and come to find out the charged items at a XXXX XXXX up there and now the credit card is over the limit and is on my credit report which has messed me up from buying a house for right now

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 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/2024 XXXX C/O PHH Mortgage Services issued and Approval of Discounted Payoff Settlement with an expiration date of XX/XX/2024. We have been and still are in contract to sell to an unrelated party. There was a title issue that could not be resolved the day of closing, XX/XX/2024 which postponed the closing. We requested the servicer allow for a short extension to allow the title issue to be resolved, which is resolved as of this complaint. PHHXXXX denied the extension and the buyer is clear to close, ready willing and able to complete the transaction. We are disheartened that after all we have gone through to cooperatively work with the servicer, that they would deny the extension to allow a small window of XXXX days so that the closing could be coordinated with attorneys of the buyer, myself and the title company. My wife and I are in our XXXX 's and have both filed and pay trustee payments toward a XXXX  XXXX bankruptcy. We simply don't understand why the servicer will not agree to finally allow us to complete the sale and move on with our lives. It's now inevitable without the servicer 's approval, to prevent an auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC.
State: TN

Complaint narrative:
I am outlining the harm Ive experienced due to BlincLoans, Inc.s ( OneBlincs ) repeated erroneous derogatory reporting to the credit bureaus. Despite OneBlincs assurances that the account would be corrected, the derogatory status continues to appear, as evidenced by a credit denial from XXXX dated XX/XX/year>, which cited my credit score as a primary reason for rejection. This denial and the ongoing inaccurate reporting have negatively impacted my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1781 4.

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 2024-11-14 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: TX

Complaint narrative:
I was stunned to see incorrect accounts on my credit report tonight with no explanation for how they got there. I routinely check my report, and theres never been an issue until now. When I saw the discrepancies, I even refreshed the browser, thinking it was a glitch, but the inaccuracies stayed. This has me really concerned, so Im asking that my documents be thoroughly reviewed to prevent this from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
My personal information was part of a data breach and some unknown person used my private information to commit fraud and make me a victim of identity theft. Since this has happened multiple accounts have been established without my knowledge or consent and I have negative accounts from this identity theft showing on my credit report and there are collections from Portfolio Recovery Associates , LLC on my credit report from this incident. On XX/XX/XXXX I mailed Portfolio Recovery Associates , LLC and the credit bureaus with a police report, ftc affidavit, and other documentation proving the data breach and identity theft but Portfolio Recovery Associates , LLC and the credit bureaus did not remove the negative accounts from my credit. These are the fraudulent accounts that Portfolio Recovery Associates , LLC is reporting to the credit bureaus. PORTFOLIO RECOVERY {$2900.00} Opened XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY {$6300.00} Date Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX I've already consulted with a consumer law attorney and he tells me this may be a violation of the Fair Debt Collections Practices Act for willful non-compliance. 
These accounts need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning, and Im at a loss for why theyre there. I regularly check my report, and I was caught off guard by these unexpected discrepancies. I refreshed my browser to ensure it wasn't a mistake, but the inquiries persisted. I am really frustrated by this and am asking for a thorough review of my documents so I can finally have peace of mind.

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 2024-11-14 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: CA

Complaint narrative:
I recently discovered that there are multiple inquiries from your company on my credit report that I dont remember approving.

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 2024-11-14 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: OH

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief