vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I received a discharge order for a XXXX XXXX  bankruptcy years ago. Unfortunately, as most people are told, I was told by my lawyer at the time and by Navient, that my private XXXX XXXX Tuition Answer Loans ( 7 loans ) were not eligible to be discharged in bankruptcy. At the time, I trusted the lawyer and I simply trusted that countless representatives were telling me correct information. I am finding out the truth after many years of crippling debt. This debt has caused significant turmoil in my life. I have no savings, no assets, bad credit, sleepless nights, I am embarrassed, I have XXXXXXXX XXXX and have also XXXX XXXX  due to this outrageous debt that hangs over me. All because I was lied to by a lender who I trusted. My debt should have been discharged, but now navient still attempts to collect, my balance continues to grow due to the disgustingly high interest rate. I have had years of good faith repayment and never defaulted. 
This was a direct to consumer loan. Way over the cost of attendance. Nothing was verified with the college, I didnt require a co-signer and I surly didnt make enough money to be given these loans in the first place. They were predatory loans and I unfortunately fell victim to XXXX XXXX now known scam during XXXX while I attended XXXXXXXX XXXX  These monies never crossed the schools financial aid office. Nothing verified, was my credit even checked?? I received a paper checks for each loan, in my mailbox, from XXXX XXXX that went directly to my bank account to use on whatever I wanted. These loans did NOT go towards the cost of attendance and they also exceeded the cost of attendance since I received federal student aid that went directly to the college. These private direct to consumer loans should have been discharged when I received the order. Instead, collection has continued by Navient and I have paid since the discharge order. 

XXXX XXXX is listed on the discharge order attached. 

I also would like to mention how awful majority of the representatives were over the years. I was told things such as too bad, get another job, find someone to watch your kids for free, you should have never had kids if you cant afford to pay your student loans, you should have never went to college, youll have these loans forever unless you die, do you have a rich uncle? ..also, the very consistent harassment via phone calls all day long even up until after XXXX XXXX calls to my grandmother, aunt and friend were endless as well. 
Please take care of this. I completed the XXXX XXXXXXXX bankruptcy only due to my husband being laid off from his job. However, I completed it successfully and honestly over 5 long years. 
I deserve what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I had a accident and couldn't afford to pay car note so they try to make me I got the car in 2019 and they said I own over XXXX I can't pay this I'm a XXXX and a veteran please help 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 explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for 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 non-monetary relief
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for 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 2024-05-07 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to dispute 2 accounts I have listed that appear on my credit report that are too old and show a date of last payment as XX/XX/year>. 
The Law states the Date of First Delinquency is the date that triggers the 7 year period for an account to be removed from a credit report. 
Therefore, the Date of Last Payment showing XX/XX/year> clearly proves that the 2 accounts listed below should be removed immediately because they are too old to be reporting after the 7 year period in accordance with the Fair Credit Reporting Act. 

XXXX ) XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, in advance I am officially requesting a Description of the Procedures used to verify either one of these accounts that are cerified/ updated and are not deleted. I would need the names, addresse ( s ) and telephone numbers of the person ( s ) that you spoke with. I make this request in accordance.with FCRA 15 USC 1681/ FCRA 611. 

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 2024-05-07 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: NJ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX I wish to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: NJ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  I wish to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Got a call from one of the agent representing XXXX XXXX XXXXXXXX They trapped me saying that they pay my credit card and mortgage bills. After paying my bill they asked be to payback 50 % of bill that they paid for me. After i deposited the money to their account, the transaction which they paid my bills got reversed. Then i realized this is a scam. I have all the proofs that i deposited to their account. Please help me in recovering my money. 

I have deposited the money into their Chase bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: GA

Complaint narrative:
I am writing to bring to your attention several inaccuracies on my credit report that violate the Fair Credit Reporting Act. Despite multiple disputes with the credit reporting agencies, these errors continue to remain unresolved. This situation poses a serious risk to my financial credibility and could potentially hinder my access to credit. I urge the Consumer Financial Protection Bureau to promptly investigate this issue and enforce compliance with the FCRA in order to safeguard consumers ' rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a checking and savings account with Citizens Bank on XX/XX/year>. Citizens provided the option to fund the account using a debit card, and I attempted to do so. My current bank blocked XXXX of the funding charges due to suspected fraud caused by the XXXX identical charges. On XX/XX/year>, I funded the account with a {$2000.00} transfer from my other bank. My Citizens online banking was subsequently blocked. I called customer service to inquire and was told that my accounts were flagged for potential new account fraud due to the rejected initial funding attempt, but would be reviewed in a few days. On XX/XX/year>, I received an email from Citizens notifying me that they were sending the {$2000.00} back to the bank that it was funded from. I called Citizens to once again explain why the initial funding was rejected and inquire as to why my deposit was being sent back. I was informed that Citizens had made the decision to close my accounts and exit the relationship. I asked for a reason and was told that the bank does not have to give a reason. From my perspective, since the account was closed immediately after opening, this would seem that Citizens took adverse action against my new account request without providing an adverse action notice. The only reason I'm aware of that a bank can take adverse action without disclosing the reasons are AML/BSA related . The representative said that a letter notifying me of the decision was sent, however, I have not received said letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In XXXX of XXXX, my student loans were transferred from Nelnet to XXXX XXXX. The change was never notated on my XXXX report. I filed a first dispute with XXXX on XX/XX/XXXX. No change was reported and it still shows that I have the account with Nelnet open. Since the report shows accounts with Nelnet and XXXX being open with a balance, it also shows twice the amount of debt than what I actually have. On XX/XX/XXXX, I called Nelnet on their customer service line and they were unhelpful. They said that there is nothing that can be done on Nelnets end and they advised me to file a dispute with XXXX. I filed a second dispute with XXXX on XX/XX/XXXX and no change was made to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: OH

Complaint narrative:
This account was charged off on the following date XXXX XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX Account Number 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 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
First and foremost the vehicle was repossessed without any prior notice that were going to happen. The vehicle was repossessed XX/XX/year> and by XX/XX/XXXX i had my vehicle was and cleared all the balance. Now, suncoast credit union reported to my credit the repossession and after i called them to resolve this issue they made me aware that it will stay in my credit for 7 years. What is the point of getting the car back if they are still reporting a repossession when it is truly not a repo? They are totally messing with the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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 saw that I have an unauthorized credit inquiry

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 2024-05-07 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: NC

Complaint narrative:
I looked upon my credit report and discovered this account that needed to be deleted.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a call from XXXX stating I owe them a payment. I told them I don't have car loan with you, I have been paying XXXX XXXX in XXXX for a year or so. XXXX stated that XXXX XXXX sold my account to them and that me or my son was to start paying them. I said I was never told that such account was sold to anyone and secondly, the account you have is a fraudulent because my son and I don't have an account with XXXX XXXX and I never had an car loan agreement with my son so whatever account you have with my son and my name on it is fraudulent and not mine nor my son 's. My son never signed any papers to be a cosigner with me on any car loan. I always make it clear to anyone when looking to purchase a car that if a cosigner is needed I would not be purchasing a vehicle. I was assured that a cosigner was not needed and I read everything I signed. I would never put my XXXX XXXX son on any loan with me. XXXX stated my son is a cosigner for this XXXX XXXX XXXX car loan. I stated he is not and any signatures of my son 's name on any such agreement wasn't his and is fraud and I requested proof of the original loan and whether their lawyer has looked over this car loan agreement to see if it is legit which I knew otherwise that it wasn't and they hadn't but I requested a copy and proof of this information both from XXXX and Experian and the other XXXX XXXX credit reporting bureaus. This vehicle loan reported information was removed from both mine and my son 's credit file with XXXX and XXXX, but not from Experian and XXXX XXXX XXXX XXXX who both refuse to stop reporting it or remove it. XXXX then turn around and sells this fraudulent account they say is ours to another collection agency who continues to harass us with letters and calls to pay this remaining debt even though XXXX refuse to pick up the vehicle and told me to sell it to a car dealership and they released the title and it was sold to XXXX the dealership on XX/XX/XXXX at their request. XXXX reported this vehicle payments as being late at least XXXX times on my credit file with Experian after failing to come pick up the vehicle during the Pandemic in XXXX, XXXX, after the last payment was paid the beginning of XXXX, XXXX. I never was late. XXXX even stated on my Experian credit file that I paid as agreed. How can you pay as agreed and be late. This loan was reported late after XXXX refused after several requests to pick of said vehicle for over XXXX months. After finding out a year later that the car loan agreement had false signatures and fraud was committed by the original seller, XXXX XXXX of XXXX and the account was sold to XXXX, I wanted no dealings with neither parties.

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 2024-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I am not seeing the exact issue on the options so I did my best. 

I was sued on my private loans however. The issue is The XXXX XXXX is fraudulent and due to these issues and law suits surrounding for profit schools under the Navient school misconduct private loan discharge I am demanding my payments to settle the loan amount be refunded 100 %. Please contact me to complete the refund and send a check in the amount of XXXX. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-07 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: NC

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.

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-07 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:
I was reviewing my consumer report and noticed inquiries that does not belong to me.

Company response to consumer: Closed with explanation