vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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: NY

Complaint narrative:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: 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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-16 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: 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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-16 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: IL

Complaint narrative:
Went to check my credit score and report and it has one hard inquiry from XXXX that i do not recognize nor did i apply for this.i requested information from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still werent able to give me answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: MI

Complaint narrative:
Unauthorized Fraudulent Inquires PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MN

Complaint narrative:
From approximately XXXX XXXX XXXX University XXXX XXXX MN XXXX XXXX false promises and statements regarding tuition costs, loan agreements, job demand, job placement, class requirements, accreditation, and other matters to myself and other students. 

Prior to admission, I was informed that all grants, and scholarship funds ( including American XXXX Sholarship Funds ) were depleted, and that the only option was loans. 
XXXX staff claimed that the " student loans were the fastest and easiest way to pay for school ''. XXXX XXXX XXXX staff stopped signing my loan agreements after I questioned the terms and conditions. 

In XXXX I attended National XXXX University XXXX XXXX MN XXXX and graduated from the Massage Therapy XXXX XXXX XXXX A.A.S. 
In XXXX, I enrolled in the XXXX XXXX XXXX. The school abruptly cancelled courses, and eventually closed its XXXX XXXX XXXX location, where those classes took place. 

As a direct and proximate result, I was forced to pay $ XXXX dollars on a high interest credit card. I later defaulted on credit card payments. 
Currently, XXXX Nationally has multiple lawsuits and class action lawsuits against its locations alleging systemic fraud, deceptive practices, and other allegations by former students. 

XXXX loans have been transferred to multiple lending agencies, with each XXXX of them engaging in practices to cause financial harm by prolonging the loans. 
Nelnet XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Great Lakes XXXX, all of these have at XXXX time handled the loans All of the forementioned entities have seemingly went out of business or disappeared without a trace. 

I made thousands of dollars in payments to all of these agencies. Those funds are lost. 
As of XXXX I currently owe approximately $ XXXX dollars on XXXX loans that originated from XXXX XXXX XXXX 

As of approximately XXXX, XXXX, XXXX, MN is closed. 
XXXX failed to pay its lease during the majority of the time it operated in XXXX, MN. 
I applied for and submitted multiple borrower defense applications, alleging fraud, and deceptive practices by the school where the loan originated. 

In XXXX, I received a letter from the XXXX Department of Education stating that had applied for a XXXX XXXX, and that my student loans would be XXXX entirely, and that lenders all reports to credit agencies would be dismissed. 

As of XX/XX/XXXX, my student loans are held by Nelnet XXXX XXXX. They are in default and have been reported to credit reporting agencies. 

In XX/XX/XXXX, I was referred to CFPB, and the MN XXXX XXXX XXXX XXXX by the Minnesota XXXX XXXX Attorney General. 
All forementioned entities should have documents in their possession regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX of this year I tried logging into my account to make a payment but I was not able to. The website said I had the incorrect credentials but I had never changed it. I called in and customer service told me I had made {$2500.00} on purchases, and I told them it was not me. I told them about the fraud on the account and they cancelled the card and sent a new card, but to the people committing fraud on another state. I called them again after 2 weeks and they had confirmed to have sent the card to Kansas, but I live in Florida. They cancelled the sent card and issued me a new one, which I received and registered online to make a payment. Another months goes by and again I can't log in to make a payment, so the same thing happened. They cancelled the card once again, and also once again they sent the new card to the people committing the crime in Kansas. This month on XX/XX/XXXX, I receive notice that Mattress Firm reported my account as late payment to the credit bureau, and my credit score took a hit of almost XXXX XXXXXXXX  I called them again and they advised it will take 60 days for this to get investigated and resolved.

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 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Sensible Auto Lending, LLC
State: PA

Complaint narrative:
I have automatic payments that comes out my bank account every Friday since XX/XX/XXXX until XX/XX/XXXX when the loan was supposed to be over. The following week they stole my car out my driveway after i contacted them about my title. I have been calling and no one will help me get my car back. I dont know where to turn. I just paid {$7000.00} on an engine and new tires after the XXXX dealer kept the car for a year so I really did not get to to even have the car after paying for three and a half years. The car company sent me an invoice saying I owe them {$9000.00} to get the car back a week away but now it has been sold at an auction. I dont understand how sensible auto could take a car I paid in full for. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX mailed me a business debit card. The card has my name and address, but also the name of an unfamiliar, local business. I called XXXX and asked that the account be closed. They agreed, but are unable to provide confirmation of the account closure. I also asked " who opened the account? '' but they couldn't provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: IN

Complaint narrative:
someone open a fraudulent card in my name

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.

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 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
To Whom It May Concern, I am writing to express my dissatisfaction and concern regarding the unexpected suspension of my account with HSBC USA on XX/XX/2023. I was not provided with any specific reason for this action, and to the best of my knowledge, I have not engaged in any activities that violate the bank 's policies or terms of service. 

The error code provided to me is XXXX. Without any clarity on this code or the reason behind the suspension, I am left in the dark and deeply concerned about the status of my account and the funds within it. I kindly request an immediate review of this matter and a detailed explanation of the reasons behind the suspension. 

I understand the importance of security and compliance, but I believe that transparency and communication are equally essential. I hope to have this issue resolved promptly and expect the bank to rectify the situation without further delay. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: UT

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX and 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 2023-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Under the FCRA capital one violated my rights under 15 USC 1681 section 602 they violated my rights to privacy. 15 USC 1681 section 604A section 2 the consumer reporting agency can not furnish my account without written instructions. 15 USC 1666B the creditor may not treat payments on my credit card account under an open end consumer credit plan as late for any purpose. This happened on my XXXX, XXXX as well as XXXX on Friday XX/XX/2023. They marked my payment as late and it had a negative impact on my credit reports and XXXX score. I called and asked them to remove the late payments from the accounts under these exact same sections under the fair credit reporting act or that I'd file a complaint and the representative told me to go ahead with my actions because they don't have to do it. I'm not sure what other documentation that I should have asked for. I would like this removed from all of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: GUARANTEED RATE INC.
State: NE

Complaint narrative:
Complaint Description : During the loan origination process, the Guaranteed Rate Loan Officer guided us to take a higher loan balance in exchange for a lower interest rate, based on a promise that Guaranteed Rate Servicing would allow a recast of our loan immediately after closing. This misrepresentation, and misleading guidance along with the false promise that Guaranteed Rate Services would allow a recast was confirmed both verbally, via email, and via text message. All documentation is attached. Following our request to recast after closing ; The Guaranteed Rate Loan Servicing department stated they will not allow a recast due to requirements from a private investor, they have also stated Guaranteed Rate does not have plans to transfer our loan to an investor that would allow for a recast. The above events have resulted in a negative financial impact, and undue stress to our family. Guaranteed Rate is a Independent Mortgage Bank operating Nationally ; they have a local branch here in XXXX, however they are headquartered in XXXX, IL. The Mortgage XXXX XXXX is licensed in the state of XXXX under XXXX # XXXX. 

Steps Taken to Contact and Fix the Issue : So far, I have escalated our concern with Guaranteed Rate 's customer advocacy department, where I was connected to XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX. I shared all of the documentation with her on XX/XX/XXXX, she then followed up via phone on XX/XX/XXXX stating that after reviewing the information with management, they are not willing to offer a recast as promised or any type of resolution. Our complaint has since been referred to XXXX XXXX, Regulatory Response Analyst at Guaranteed who has stated Guaranteed Rate is working toward a solution, however, we have not yet received any commitment or a proposed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: OH

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-16 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: OH

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have tried to get a payment plan set up I can afford and Navient has repeated denied my request and also denied a possible refinance. This has ruined my credit making it more difficult to find additional assistance. 
There has not been any information in detail as to why I am declined any assistance and the calls for collection exceed 10 collection calls per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion for Illegal Rental Background Check and Credit Reporting Practices I submitted a complaint In reference XXXX apartments rental history report which was inaccurate. Transunion and XXXX company obtained eviction records also failed to identify where records come from and was told that records were taken only from the jurisdictions where the proceedings took place. I have had several issues trying to find a place to live did not know it was a third-party vendor I needed to contact to correct inaccurate information. They refuse to correct the issue

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