vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I sent the following email to XXXX XXXX XXXX customer service email requesting a process or application in order to have my private student loans canceled due to school misconduct by XXXX XXXX XXXX ( I have taken out my account number ) : " Good afternoon, I am reaching out to you regarding my private student loans ( Account Number ). These loans were taken out through XXXX XXXX while I was enrolled at XXXX XXXX XXXXXXXX from XXXX XXXX XXXX  and consolidated in XX/XX/XXXX where XXXX  became my loan servicer. 

As you may know, XXXX  XXXX XXXX was recently found guilty of misconduct due to their pervasive and substantial misrepresentations to prospective students about post graduation employment rates, salaries, and career services.. and the XXXX XXXX  has approved a group student loan discharge for borrowers who attended the school between XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXXXXXX Additionally, I applied for borrower defense forgiveness through XXXX and had my case approved and was a full class member of the XXXX XXXX XXXX  settlement because it was found that my school was one of many for-profit schools that were engaging in predatory and fraudulent practices. This resulted in all federal loans being discharged that were taken out for XXXX XXXX XXXX 

XXXX currently has an application for private student loan school misconduct discharge and XXXX senators including XXXX XXXX are pushing XXXX to cancel private loans for borrowers that attended these fraudulent schools. 

XXXX XXXX XXXXXXXX I am requesting from XXXX XXXXXXXX a similar application in order to have my private loans from this fraudulent school discharged due to school misconduct and was encouraged to do so by XXXX XXXX on Predatory Student Lending.

Please let me know what further steps I need to take. 
Thank you, XXXX XXXX '' On XX/XX/XXXX, XXXX responded to my email denying me any kind of process for student loan relief based on school misconduct : " Dear XXXX, Thanks for contacting XXXX XXXX 

Unfortunately, as this is not a federal loan, it is not eligible for loan forgiveness due to school misconduct. 

We value you as a customer and appreciate the opportunity to serve you. If you have questions or would like to request copies of additional documentation regarding this resolution, please reply to this email, visit FirstmarkServices.com, or contact us using the information below. 

Sincerely, XXXX XXXX Customer Service '' I currently have a student loan balance of {$20000.00}. My original refinance amount from XXXX XXXX to XXXX  in XX/XX/XXXX was {$32000.00}. My promissory note does not include any process or list my right to discharge based on school misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: FL

Complaint narrative:
Hi EQUIFAX, I JUST RECEIVED COPY OF MY CREDIT REPORT AND I FOUND THIS FRAUD CHARGE CARD THAT WERE OPENED WITHOUT MY KNOWLEDGE. 

XXXX XXXX XXXX XXXX XXXX CREDIT CARD WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS XXXX XXXX FRAUD ACCOUNT XXXX SHALL DELETE FROM MY CREDIT REPORT. THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I SHOULD NOT BE RESPONSIBLE FOR SOMETHING I NEVER OPENED/ FRAUD ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: IL

Complaint narrative:
I tried once already contacting you guys to get this resolved to no avail so now I filed rept with XXXX XXXX number XXXX of which I include with this complaint I want XXXX off my report I neverb gaveanyone permission to check my credit let alone 3 times along with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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:
I tried once already contacting you guys to get this resolved to no avail so now I filed rept with XXXX XXXX number XXXX of which I include with this complaint I want XXXX off my report I neverb gaveanyone permission to check my credit let alone 3 times along with 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 2024-06-23 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: OH

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my reports, they are hurting my ability to obtain credit.

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 2024-06-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to report unauthorized inquiries on my credit report that I believe are due to identity theft. These inquiries concern credit card applications with XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX & XXXX, XXXX ), as reflected in my Experian report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed for bankruptcy twice in XXXX. However, I did not proceed with the confirmation hearings, and thus, no judgments were filed. XXXX has already removed these inaccuracies from my credit report. Enclosed are copies of my bankruptcy filings, court correspondence, and my updated XXXX credit report for your reference. I submitted my dispute to XXXX online. There was not an option to submit my additional documentation although the dispute center states that there is a space to submit supporting documents online. I've also connected with XXXX via their phone dispute service, in which I was informed that XXXX does not remove erroneous information on public records. They refused to submit my dispute.

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 2024-06-23 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: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I requested in writing debt validation and or the 1099-C regarding the alleged debt associated with my name, As per the FDCPA, I am entitled to receive validation of the debt, including but not limited to Disclosure proving the debt amount of payment. The original collectors debt history and an itemization of all of the payment history. The original contract with my wet signature, all of the credits I may have calculated applied and any additional fees. Any disputed interest or charges and also if the debt was canceled a copy of the 1099-C, which reflects the cancellation of my debt. This document is essential for me to properly address any tax responsibilities and navigate my current financial situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue : XXXX XXXX XXXX Account and Fraud Claim with Bank of America for XXXX Summary : I have a XXXX XXXX card with Bank of America for XXXX, which is currently closed due to XXXX ending its business with Bank of America XXXX. Despite multiple attempts to authenticate my identity at Bank of America branches, my prepaid account remains blocked. Both branches I visited stated I need to make another appointment for future verification. 

Details : Account Closure and Authentication Issues : My prepaid debit card with Bank of America for XXXX is closed due to XXXX ending its business relationship with Bank of America XXXX. 
I have been instructed multiple times to visit a bank branch to authenticate my identity. 
Despite proving my identity at two separate bank branches, my account remains blocked.

Both branches informed me that I need to schedule another appointment for verification.

Fraud Claim : I filed a fraud claim with Bank of America in XXXX. 
Despite submitting a police report and other required documentation, the claim has not been fully approved. 
The original prepaid card was sent to the wrong address. 
All the information on the Bank of America prepaid account was incorrect, which I had to update. 
Partial Approval and Check Cashing Issues : I received partial approval for my claim, amounting to {$20000.00}. 
I am encountering difficulties cashing this check at both the bank branch and check cashing places. 

Desired Resolution : Full resolution and approval of my fraud claim. 
Removal of the block on my prepaid account. 
Assistance in cashing the approved check for {$20000.00}. 

Attachments : Police report and other documentation submitted for the fraud claim.

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 2024-06-23 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my reports, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: OH

Complaint narrative:
I recently reviewed my report and noticed XXXX XXXX, XXXX to XXXX XXXX, and multiple inquires that I've never heard of nor had business with! The inquires are included in the Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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:
I recently reviewed my report and noticed XXXX XXXX, XXXX to XXXX XXXX, and multiple inquires that I've never heard of nor had business with! The inquires are included in the Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
I AM WRITING REGARDING ACCOUNT # XXXX, WHICH THE CHARGE AMOUNT OF {$1600.00} IS INCORRECT. I MOVED INTO THIS APARTMENT ON XX/XX/year> WHCH MY MOVE IN DATE WAS XX/XX/year>. IT WAS FILTHY AND NOT AVAILABLE ON THE MOVE IN DATE. I HAD TO WAIT ANOTHER WHOLE DAY FOR MY APARTMENT IN WHICH IT WAS STILL FILTHY AND I WAS NEVER CREDITED FOR NOTHING. I HAVE EXPRESSED MY CONCERNS TO THE LEASING OFFICE AND THEY DID NOTHING. UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( 15 USC 1692 ), I AM REQUESTING VALIDATION OF THIS DEBT. PLEASE PROVIDE COMPLETE INFORMATION ON THE ORIGINAL CREDITOR, ORIGINAL ACCOUNT NUMBER, THE DATE THESE CHARGE WERE CALCULATED, THE AMOUNT OF THE ORIGINAL DEBT, AND AN ITEMIZED STATEMENT SHOWING THE AMOUNT OF THE DEBT AND ANY ADDITIONAL FEES OR CHARGES. IF YOU ARE REPORTING THIS ACCONT TO ANY CREDIT REPORTING AGENCIES, UNDER THE FAIR CREDIT REPORTING ACT ( 15 USC 1681b ) YOU MUST PROVIDE VERIFICATION OF THIS DEBT TO THOSE AGENCIES UPON REQUEST. AT THIS TIME, I DISPUTE THE VALIDITY OF THIS DEBT UNDER 15 USC 1692. PLEASE VERIFIY THIS DEBT IN WRITING AND PROVIDE ALL INFORMATION REQUESTED ABOVE WITHIN 30 DAYS. IF VALIDATION IS NOT PROVIDED, I WILL EXPECT THIS ITEM TO BE REMOVED FROM MY CREDIT REPORTS AND FURTHER COLLECTION ACTIVITY TO CEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: NV

Complaint narrative:
XXXX XXXX Subject : Request to investigate reinsertion of collection on credit file in violation of FCRA Dear Sir/Madam, I am writing to bring to your attention a matter regarding the reinsertion of a collection account on my credit file, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). The collection account in question reappeared on my credit report without proper validation or notification, which is concerning as it may inaccurately impact my creditworthiness.

I would like to formally request that XXXX XXXXt investigate this reinsertion of the collection account and provide me with detailed information on the verification process undertaken. As a consumer protected under the FCRA, I expect full compliance with the law in all credit reporting activities. 

Please provide me with a written explanation of the reinsertion of this collection account, including any supporting documentation and verification procedures conducted. Additionally, I request that XXXX XXXX  correct any inaccuracies on my credit report resulting from this reinsertion in a timely manner. 

I appreciate your prompt attention to this matter and look forward to your timely response. Should you require any further information from me, please do not hesitate to reach out using the contact details provided above. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I requested in writing debt validation and or the 1099-C regarding the alleged debt associated with my name, As per the FDCPA, I am entitled to receive validation of the debt, including but not limited to Disclosure proving the debt amount of payment. The original collectors debt history and an itemization of all of the payment history. The original contract with my wet signature, all of the credits I may have calculated applied and any additional fees. Any disputed interest or charges and also if the debt was canceled a copy of the 1099-C, which reflects the cancellation of my debt. This document is essential for me to properly address any tax responsibilities and navigate my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am writing to formally request the removal of an unauthorized inquiry from my XXXX credit report. This inquiry was conducted without my consent, and I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( a ) ( 2 ). 

Details of the Unauthorized Inquiry : Company Name : Navy Federal Credit Union Date of Inquiry : XX/XX/year> Credit Reporting Agency : XXXX XXXX XXXX for the Request : Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report if it is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written instructions or consent for [ Name of the Company ] to conduct a credit inquiry on my XXXX report. This unauthorized inquiry is a clear violation of my rights under the FCRA. 

Additionally, 15 U.S.C. 1681c ( a ) ( 1 ) states that inaccurate or unverifiable information must be removed from a consumer report. As the inquiry was neither authorized by me nor conducted for a legitimate purpose, it qualifies as erroneous information and should be removed immediately. 

Impact of the Unauthorized Inquiry : The presence of this unauthorized inquiry has negatively impacted my credit score and overall creditworthiness. It reflects inaccurate and misleading information on my credit report, which can hinder my ability to secure credit and other financial services. 

Requested Action : I am requesting that the CFPB investigate this unauthorized inquiry and ensure its prompt removal from my XXXX credit report. This action will help to correct the inaccuracy on my report and prevent any further adverse effects on my financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: FL

Complaint narrative:
Now I have discovered that the item XXXX  XXXX XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile.

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 2024-06-23 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. please remove these accounts from my report they are hurting my ability to obtain credit.

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