vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was in college XXXX. I was advised to consolidate my loans and they locked me into an 8.25 % interest rate. I struggled to pay my loans after college, I was advised to go into economic hardship forebearance for 3 years. I was also then advised to go into regular forebearance for 3 years. I was in forebearance for 6 years. NO ONE at Sallie Mae or then it became NAVIENT ever explained to me that the interest that accrued would be added to the PRINCIPAL of my loan and then I would get charged 8.25 % on that even higher amount. " CAPITALIZATION '' is what it was called and I never knew what this meant or the detrimental effects it would have on my loans. My loans started at XXXX and are now {$230000.00}. This is ridiculous. I will be paying these until I die. Sallie Mae and Navient had predatory practices to me with my XXXX loans that they locked me into 8.25 % forever. These loans were further complicated because I could not afford to pay them or keep up with my credit card debt after graduation. I was being sued by XXXX so I was forced to declare bankruptcy. I was told that my loans were not eligible for bankruptcy discharge. The judge ruled that I was not eligible for Chapter 7 to have my credit card debt wiped, but that I must declare chapter 13 and PAY all the XXXX in credit card debt I owed. The IRS put all of my student loans into forebearance again and forced me to pay off my credit cards over a 5 year time frame. 

The credit card companies were also predatory. XXXX especially. They came to my college campus in XXXX and teased us with free XXXX XXXX tshirts to get a credit card and then gave all of us HUGE spending limits. All my friends did the same thing I did. I had NO parental help in college, I was struggling to make it myself. My parents refused to support me financially. I had 2 jobs the entire time in college. 

So my student loans were in forebearance for several years. I was a victim of predatory practices by Sallie Mae/Navient as well as XXXX. The banks have ruined my life. They locked me into 8.25 %. 

I never understood that I have private loans -- and someone explained to me that I could switch them over to Federal loans and then I would be eligible for more benefits. I did this and sadly it STARTED OVER my payment clock. So ALL the payments I made do not go towards my XXXX 

Also, because I graduated earlier, I am NOT eligible for the newer XXXX plans. This is ridiculous. 

This system has failed me over and over again. The banks have ruined my life. The banks have had a XXXX XXXX XXXX XXXX for all these years. 

I request a review of these issues and some kind of hopeful relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
XXXX I lost my job. I worked out multiple payment plans, waiting on a check from the XXXX XXXX to help with payment during financial burden. I was to call once a week and let them know what was happening with the check and if it was approved etc. My first question was will this hit mine and my co signers credit. They said absolutely not. I had till XX/XX/XXXX to catch the account up. This ended up hurting our scores by XXXX points due to late payment after, after we were told it would not due to being in compliance of a payment plan!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX has been reporting misleading, inaccurate, inconsistent and unverifiable information on my Equifax credit report. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners Equifax credit report as well. 

Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. Equifax continues to report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. 

There are several pieces of information that XXXX is reporting are different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. XXXX as well as Equifax seem incapable of or unwilling to resolve our disputes. 

They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This only is a violation of Federal laws. XXXX is using abusive, deceptive and unfair debt collection practices. 

I have contacted XXXX and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. 

We feel that Equifax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause mental anguish, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. 

Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, Equifax and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: CarMax, Inc.
State: IL

Complaint narrative:
CarMax Account number : XXXX Date Opened : XX/XX/XXXX CarMax has been reporting misleading, inaccurate, inconsistent and unverifiable information on my XXXX XXXX XXXX XXXX and XXXX credit reports. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners credit report as well. 

Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. CarMax continues to spitefully report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. 

There are several pieces of information that CarMax is reporting is different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. CarMax as well as the credit bureaus seem incapable of or unwilling to resolve our disputes. 

They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This only is a violation of Federal laws. CarMax is using abusive, deceptive and unfair debt collection practices. 

I have contacted CarMax and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. 

We feel that CarMax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause mental anguish, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. 

Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I tried to speak with someone from Equifax and XXXX, both of them I was in the auto response loop going no where. The issue is I want to know why my score with both of them dropped XXXX points. And the options to do dispute online does not give you those choices. 
Why is it there is no one to speak with about this when there decision make a difference in our life?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
There is information on my report that isn't 100 % correct and due to Code 15 U.S.C 1681 Sec. 602 A. states that I have the right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is information on my report that isn't 100 % correct and due to Code 15 U.S.C 1681 Sec. 602 A. states that I have the right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 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: DE

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 ) 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 2022-04-24 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: DE

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 XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: 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 U.S.C 1681, the four following accounts listed below has VIOLATED MY RIGHTS XXXX XXXX XXXX, Original Creditor XXXX XXXXXXXX XXXX XXXX Account # Listed Below XXXX -Amount {$490.00} has violated my rights. 

** XXXX XXXX XXXX XXXX - Account # XXXX - Amount XXXX ** XXXX  XXXX Child Support - Account # XXXX - Amount {$0.00} ** XXXX XXXX XXXX XXXX - Account # XXXX - {$0.00} 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I made a purchase of a computer component for {$490.00} in XX/XX/XXXX that was on back-order. The vendor stated the component would be delivered within XXXX weeks of the date of purchase which I was okay with. After waiting what would be a reasonable amount of time, I reached back out to the vendor who stated there would be a further delay. I requested a refund at which point I received an email confirming that refund. However, I never received the funds back into my credit card account. At this point, I realized this company was clearly committing fraud by taking people 's money and telling them there component would eventually get there but never intending to deliver the product. I reached out to Chase, the credit card company that I used to make the purchase. 

I submitted the documentation they requested on XX/XX/XXXX according to instruction given to me by Chase, but the initial dispute was denied 'automatically ' because I was outside of 30 days from when the charge posted to my account and was told that this was done to 'encourage customers to report fraud early '. I had numerous phone conversations explaining the situation, sent all of the documentation that was requested, but never received assistance in resolving this fraudulent scenario despite sufficient evidence and effort ( receipts, email stating a refund would be submitted, and communication with the vendor ). I appealed the decision on the dispute XX/XX/XXXX with a formal letter as suggested by the customer support representative, but never received further communication on the topic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 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: MD

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I never open an account with these companies and I believe the accounts are fraudulent : XXXX. XXXX XXXX- an account was open on XX/XX/2019 for amount {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: MD

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For over the last 6 months now, I can not access my TransUnion credit report via their website. I have tried to fix this with the company many times over the phone and via the internet. However, TransUnion informs me that the account is okay, and that I should have full access to it. But, I DO NOT have access. 

I think that I have also been paying a monthly subscription fee only not to have access to my account. 

Another thing is that my credit score is very much lower than my XXXX and XXXX credit scores. I understand that this is an issue with many other persons too. I would like them to fully investigate my score and adjust it to what it should correctly be.

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 monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I never open an account with these companies and I believe the accounts are fraudulent : 1. XXXX XXXX- an account was open on XX/XX/2016 for amount {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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  XXXX Acct # : XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 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 Acct # : 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