vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
Hello, I am at a loss. I am extremely disappointed with the email I received regarding my appeal to resubmit more documentation and proof toward my school misconduct application that I QUALIFIED for and was told ELIBLE for discharge. I called the office of the customer advocate at Navient before XXXX XXXX, and I was told over the phone that someone would call me back and I would be assigned to a person to help me in regards to my school discharge form. I NEVER received a call back from anyone, but instead I received a SECOND denial, to even submit more proof. I was told they only received about XXXX of documentation online, when in fact I have well over XXXX pages of proof and DETAILED PROOF ( including documentation of my bankruptcy ). Attached is proof, of the complication in receiving my application and I requested that I be sent a PHYSICAL copy of my school misconduct form, and that was NEVER sent to me as well. It seems to me they are purposely deflecting and disregarding my discharge, when there is solid evidence that many other students who filed the same form were APPROVED. I went to the same school, and I suffered extreme amount of financial hardship. I was forced to lived at home with my parents or be on XXXX XXXX and I had to file bankruptcy due to this. 

Navient is willingly and blatantly ignoring the XXXX XXXX. And I am not given a FAIR chance. I was already XXXX for my school misconduct due to predatory tactics and approved on my borrower defense application. I was FULL class member for XXXXXXXX XXXX XXXXXXXX in regards to the very same school. I was a member of the Attorney General settlement against Navient and was NEVER XXXX because I failed to meet the default time by XXXX. I am a student of the XXXX XXXX XXXX XXXX, that President Biden DISMISSED federal student loans for due to it's misconduct and predatory lending. I have a SIGNIFICANT amount of proof, via hardship and backing up exactly what this school has done to destroy my entire life. Yet I was denied at every corner, even when they falsely told me that I do qualify for the application. I was never given a fair chance and denied that fair chance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Dear Equifax, I am writing to express my frustration and confusion regarding the repeated responses I have received from your company regarding the status of the disputed account.FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that this information not be shared on my credit report. 
Despite providing new and relevant information that clearly demonstrates the inaccuracy of the account in question, I continue to receive the same letter stating that the account has been verified. This leads me to question whether my information was adequately considered during your investigation process, and whether it was forwarded to the court for verification. I am interested in learning about your interactions with court representatives, including their full contact details. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
" Chapter XXXX Bankruptcy '' with Reference # : XXXX. 
Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 
Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
While I may not be an expert on credit bureaus and credit reports, I have conducted research that leads me to question the reliability of the E-Oscar system that is reportedly used for investigations. I understand that this system may not always provide accurate results, and it is unfair to rely solely on it for verification purposes. 
Furthermore, my research on the Federal Trade Commission ( FTC ) website indicates that credit bureaus are required to conduct thorough investigations rather than simply parroting information provided by creditors and collection agencies. Failure to do so may result in legal action under the Fair Credit Reporting Act ( FCRA ). 
I am reaching out to you with the hope of resolving this matter amicably. However, if your company chooses not to take appropriate action, I will have no choice but to file multiple complaints and seek legal advice from an FCRA attorney. 
I urge you to conduct a new and thorough investigation into the disputed account and take the necessary steps to correct this issue promptly. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-06-05 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: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: WA

Complaint narrative:
RE : Bankruptcy Dear XXXX, After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. 
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, XXXX, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). 
An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. 
Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
A lender attempted to pull my credit report from Equifax. They were unable to pull my report because, they were told, there was a " fraud freeze '' on my account. 

I called Equifax and asked them about the problem. They told me there were " discrepancies '' in my personal information but they could not tell me what kind of discrepancies ( I was told they were not visible to the customer service agents and that the problem was " internal '' ). I was told that, until they are resolved, neither I nor any creditors could access my credit report. 

I was then told that, in order for Equifax to resolve these so-called internal discrepancies, I would have to mail a copy of my driver 's license and social security card, along with a letter " consenting '' to have the discrepancies resolved, to a XXXX XXXX in XXXX. I asked to speak to a manager and he told me the same thing.

Given Equifax 's egregious past failures to protect consumer 's privacy and sensitive financial information, I am alarmed and concerned to be asked to mail identity documents to them in order to resolve an internal problem they can't even share with me. Moreover, to have the documents sent to a XXXX XXXX with would be risking identity fraud. Equifax was deaf to my concerns and insists that my credit report will remain blocked until I submit the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I filed XXXX XXXX Bankruptcy, this Bankruptcy was discharged XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for one XXXX. I pay a monthly membership fee to XXXX for services to see and dispute my credit report. last 20 days I have filed over 7 disputes, with all results being that XXXX finds the current information to be accurate and no changes made. On XX/XX/year> my XXXX credit score I could see was XXXX, XX/XX/year> my score XXXX, World Finance Acct ending in XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and Avail Credit of - {$3500.00}, Comments " Charge Off ''. XXXX refuses to update this account as Discharge XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. 
I am suffering from XXXX and World Finance illegale reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in XXXX XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and XXXX and World Finance are dilertly causing un-repairable harm to me by the wontan disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: IL

Complaint narrative:
this company calls me twice a week for over a year, I XXXX  the number and saw they were a debt collector, I blocked them but they are still able to leave messages, thought they would stop calling when I told them that they were calling the wrong number and I do not have debt, I also left them a voicemail to stop calling on XX/XX/year> but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
am writing to bring to your attention a matter concerning a fraudulent automotive inquiry associated with my name. Upon reviewing my credit report dated XX/XX/year>, I noticed an inquiry from your institution regarding an automotive transaction that I did not initiate nor authorize. 

This unauthorized inquiry has potentially negative implications on my credit profile, and as such, I kindly request that you remove it promptly from your records. 

Please note that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers be protected from identity theft and fraudulent activities related to their credit information. 

I trust that you will handle this matter with the urgency and attention it deserves. Your cooperation in promptly rectifying this issue will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
A trade in was done, deal closed and signed and the trade off vehicle was reported as paid in full and a refund of overpayment was received from the lender. Weeks after the deal was made, XXXX XXXX identified a mistake on THEIR side of the deal. I was unwilling to personally co sign behind the car, which was what their resolution was. I also returned the car to them. They " reinstated '' the original loan of the vehicle I traded in, which is and is still in their possession, and then reported the loan delinquent. I never authorized the loan to be reinstated, they never returned the vehicle either. I have requested multiple times documentation showing they are legally allowed to do this which they never provided ( because they knew they were outside their time frame ). The mark on my credit report dropped my score nearly XXXX points. All contact made with Ally and XXXX XXXX has been ignored.

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 2024-06-05 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Looking at my 3 credit reports, they all show different and inaccurate information about an account. The account is XXXX XXXX XXXX XXXX, Equifax shows this account as NOT negative, closed, paid as agreed and last activity XX/XX/XXXX. 

XXXX shows this account as transferred to another lender, was paying as agreed and last activity XX/XX/XXXX. 

XXXX shows this account with XXXX different statuses... XXXX late payments but XXXX  months of late payments are displayed on the calendar, paid off, closed, transferred to another lender and last activity XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: LA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-05 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: LA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Signed loan document in amount of $ XXXX 11.9 % interest on XX/XX/year>. Loan details are XXXX payments of {$250.00} for XXXX years. Made a total of XXXX payments : {$250.00} on XX/XX/year>, {$570.00} on XX/XX/year>, {$16000.00} on XX/XX/year>. Current remaining balance is {$3500.00} but XXXX XXXX XXXX XXXX ( XXXX  ) reported on my credit report that I owe {$20000.00} on XX/XX/year>. The last updated report was XX/XX/year> stated I owe {$20000.00}, which negatively reflects as I am {$32.00} over my limit with NO payments. I called to have the credit report updated but the representative said it can only be changed once the loan is completely paid off. This has brought my score down XXXX points.

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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