vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I called Navient about 6 or more weeks ago to get information about my loan for the loan forgiveness application with XXXX. I let them know I was applying for school loan forgiveness with XXXX. I continued making my payments. My last payment made was in XXXX. When I went on their site in earlier XXXX ( this month ) to make a payment their site showed a XXXX balance and that my loan was being transferred to XXXX. So then I went on to set up a login with XXXX but it had no payment listed for me yet. Just last week i received an email from Navient saying that my loan was updated and that my first payment will be due in XXXX. When I went further on their site today I saw that they have me in a forbearance. I never asked for a forbearance and never approved XXXX. Now there is no Navient phone number listed on their website and I could not find it this time looking it up. I sent them an email on their own site. A forbearance could hurt my chances of loan forgiveness with XXXX and now I owe 9 something more dollars a month on my loan payments according to Navient starting in XXXX. I also dont understand why Navient didnt consider me for their own loan forgiveness since I have been paying this loan since XXXX originally with my XXXX XXXX and from XXXX with my XXXX XXXX. Please tell me what happened because I never wanted a forbearance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: PA

Complaint narrative:
I have submitted an identity theft report to TransUnion as well as all the necessary documentation needed for the dispute of inaccurate items on my report. They keep sending me stall letters in order to postpone DELETING these inaccurate items on my report. Ive sent them XXXX proof of address as well as my drivers license and social security card. They told me my proof of address and identity theft report was not acceptable. I called them and ask them why and they reply THEY CANT TELL ME WHY ITS NOT ACCEPTABLE. How is that even possible? Im tired of the run around. They are playing with my livelihood. Ive been trying to get these inaccurate information off my report since the XXXX in 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 2022-10-31 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused. Due to this there is false information reporting on my credit report. Unauthorized use of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-10-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 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 2022-10-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXXhas 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2022-10-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
An identity report and police report was submitted to the credit bureaus and CFPB to dispute fraudulent accounts on my credit reports including XXXX XXXX XXXX numerous times. ALL accounts have been investigated and remove with the exception of XXXX XXXX XXXX. Can you please assist with removing this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We had a Pottery Barn credit card with Pottery Barn, sometime within the last 12 months the card was changed to a Capital One credit card. We made a charge of {$23.00} on it XX/XX/XXXX. We never received a statement in the mail or by email. We did receive a late notice payment I believe on XX/XX/XXXX or XXXX by email. The statement closing date we found out later when we received the statements was XXXX We called on the XXXX of XXXX and told the customer service person that we had never received any statements and requested she send them. Which we received about 2 weeks later.She advised the amount of the original charge {$23.00} and i told her I would send the payment that day from my XXXX XXXX XXXX online payment which would hit Capital one 's account the next day. She told me the only way she could write off the past due fee and interest of {$23.00} is if i paid with a debit card or ACH bank account transfer. 
I told her I don't give that information out over the phone. She said in that case we would have to call back to get the charges reversed after the payment posted. We called XX/XX/XXXX and Capital one refused to reverse the fees of {$23.00}. 

The reason for the delay in calling them is we wanted to wait for the next statement which was issued XX/XX/XXXX. 
In addition they charged another {$40.00} fee after we had made the payment for the XXXX purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I realized that people 's bank accounts have gotten hacked and i've been getting weird calls and text messages regarding XXXX. I didn't realize that they used my credit card and maxed it out completely until today. This has affected my credit report tremendously.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I realized that people 's bank accounts have gotten hacked and i've been getting weird calls and text messages regarding XXXX. I didn't realize that they used my credit card and maxed it out completely until today. This has affected my credit report tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: NC

Complaint narrative:
XXXX is falsifying documents to the Consumer Finance Protection Board, violating federal law. 

Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States Attorneys office tomorrow. 

They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. 

These XXXX at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. 

I demand an investigation and I demand for a response to these allegations. 

Im not gon na let this go XXXX XXXX  up there in XXXX nobody will anything about it but I have a voice too and Im going public on you and your XXXX XXXX XXXX  company. 

You broke the law and justice will be served. Wait for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota Financial services holds the loan for my car. XXXX XXXX XX/XX/XXXX ) they called for collection and I couldn't speak to an agent. I called them back at XXXX XXXX on XX/XX/XXXX. I spoke to an agent and did not catch her name, however they said all calls are recorded. The agent informed me that this was an attempt to collect a debt. She proceeded to lie to me about what I owed. She said I was one payment past due when I was really two. She told me my next payment was due on XX/XX/XXXX when in truth it is due on XX/XX/XXXX. This felt like Toyota was lying in an attempt to trick me into defaulting on my loan. I called back afterwards and spoke to a supervisor at XXXX on XX/XX/XXXX. She confirmed that I was correct and that i was 2 payments overdue and my next bill was on XX/XX/XXXX. She could not tell me why the XXXXXXXX XXXX lied about how much I owed or how they would resolve the issue. They said I can expect to year back in up to XXXXXXXX XXXX. I really feel like this was a trick to get me to default on my loan. Now I can not be sure of anything toyota financial says. I would like this remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
I opened an account with the XXXX  XXXX, who uses Global Payments Inc to process deposits. I added my bank account and was denied the ability to make ACH deposits into my account. Upon contacting Global Payments Inc, I was informed that they, illegally, ran a credit check without my permission. Again, there was no request anywhere for my permission to run a credit check. There was nowhere that informed me that one would be run either. I was not seeking credit of any kind, but rather simply adding my own personal bank account for ACH transfers. The Fair Credit Reporting Act ( FCRA ) strictly prohibits pulling a consumer 's credit for an impermissible purpose as Global Payments Inc has done here. Furthermore, Global Payments Inc informed me that my request to add my bank was denied based on said credit check. As I have a credit score of XXXX with all 3 credit agencies, I was very curious as to the reasons I would be denied based on a credit check. I inquired as to why I was denied and was told they would not give me that information. The Equal Credit Opportunity Act ( ECOA ) mandates that lenders that deny credit to their applicants must state their reason for the rejection. Again, Global Payments Inc, outright refused to provide the reason for denial. I then asked for their legal mailing address for the purpose of filing a complaint with the CFPB and was initially denied that information as well. This company is violating the law, repeatedly, and then trying to conceal their identity from the government agency that regulates their industry. This needs to stop and the company needs to be fined and held accountable.

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 2022-10-31 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: FL

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 reporting agency can not furnish a account without my written instructions Hey hope all is well I ask the Credit Bureaus Transunion, XXXX and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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 2022-10-31 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: CA

Complaint narrative:
I worked from XXXX for qualifying county agencies for Temporary Public Service Loan Forgiveness Waiver . I made close to XXXX dollars in payments over that time frame in lump payments. The servicer Mohela has sent me a letter saying. I only qualify for 3 payments made since they received my loan from XXXX in the past year. They have not counted any of the other qualifying payments and on the paperwork, they sent me it says they do not have the employment verification for some of the payments to count. I sent XXXX XXXX my PSLF form and employment verification for that time period and it was sent to MOHELA. So they are trying to disallow or disqualify the payments I made that can count towards forgiveness. I want this to be looked into because by my calculations I am very close or should have the loans forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Letter received from XXXX XXXX XXXX XXXX which is representing PayPal debt for my minor son XXXX XXXX. XXXX is XXXX XXXX XXXX. PayPal allowed a minor to open an account. The debt amount is {$540.00}. PayPal itself has already settled internally this amount. PayPal itself never contacted XXXX XXXX. PayPal did no checking to ensure a minor could not open a financial account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I received a notice from XXXX that a collection was placed on my account today from Southwest Credit Systems , LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. 

I contacted this agency and they could not locate anything in their system with my personal information or anything related to the file associated with my personal information or social security number. 

I asked them to remove it from my account, and they told me to contact the original creditor that I never had a relationship with. I have no idea where the collection came from, nor could their organization. I told them it was their responsibility to remove it since they are the party that placed it on my credit report. 

Southwest Credit Systems , LP refused to take any action even though they verified that the account was not associated with me, knowing they were the party responsible for placing the collection on the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -> : {$12000.00} XXXXXXXX XXXX XXXX  XXXX -- -> : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -> : {$12000.00} XXXXXXXX XXXX XXXX XXXX -- -> : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}

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