vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
To Whom it may concern : I have tried to explained for over 15 years to Navient about both of these loans and XXXX XXXX for over 25 years ago before they sold it to Navient -Dispute. My loan was done by fraud by the college. I graduated in the fall of XXXX and walk in XXXX took no classes and was on a full ride XXXX XXXX. This has been over 36 years ago and I will be XXXX XXXX XXXX in XXXX. I live in Texas and should have been apart of the Navient lawsuit for them telling me they will investigate and never did, but push me to do a forbearance plan every other year while they investigate. My son student parent loan for XXXX XXXX was in dispute he only went to school 2 months and was kicked out. But the school requested money for a full year. I spoke with a employee of the business office when XXXX went thru that bad flood and she said the records was all over the place and the some of the funds went back to the federal government. She did help me understand that he & I was overcharged. Also I didn't receive any info about about him being kicked out of school? I have requested 100 times from Navient the original loan papers -nothing. Also we filed Bankruptcy back in XXXX and Navient was in included but drop off. They are still charging me interest and collections letters .The U.S. Department of Education announced another extension of the pause on student loan repayment, interest and collections, through XXXX XXXX, XXXX. Your Loans Loan Type Due Date Amount Status Auto Pay Show more information XXXX Parent PLUS Loan FFELP Payment Due Current Due XX/XX/XXXX {$130.00} Unpaid Fees {$22.00} AlertPAST DUE XX/XX/XXXX {$510.00} Show more information XXXX Consolidation FFELP Payment Due Current Due XX/XX/XXXX {$370.00} Unpaid Fees {$65.00} AlertPAST DUE XX/XX/XXXX {$1400.00} Original Principal {$20000.00} but loan per them /Unpaid Principal Total Amount to be Repaid {$110000.00} {$52000.00} Unpaid Interest {$1700.00} Unpaid Late Fee {$65.00} Current Balance {$53000.00} Original Principal {$12000.00} Student XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} Unpaid Principal {$17000.00} Unpaid Interest {$600.00} Unpaid Late Fee {$22.00} Current Balance {$18000.00}

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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX IL XXXX Account # XXXX, XXXX  Account # XXXX, XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, Reference # 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: 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, Reference # 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated code 15 U.S.C 1681 Sec. 602 A which states that I have the right to privacy. Also Code 15 U.S.C 1681 Sec. 604 A Sec. 2 states that a consumer reporting agency can not furnish an account without my written instructions. Also the information on my report isn't 100 % correct, that also violates my 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX Reference # 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: 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX Reference # 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: 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 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account XXXX, XXXX XXXXXXXX Account XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account 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 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 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account XXXX, XXXX XXXXXXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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 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 explanation
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/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: 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 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 non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
There is a derogatory mark in my credit showing up as Berlin-WheelerXXXX XXXX XXXX XXXX with a open balance of {$400.00} last reported XXXX XXXX, XXXX it says it was opened in XX/XX/XXXX. I have never opened an account with any creditor. I do believe this is identity theft and would like to get this resolved, this has impacted my credit and I have tried to dispute it many times and it still there. I have no way of opening any credit because this derogatory mark keeps showing up.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Thay never sent me a XXXX or XXXX type about negative item or a account thay must be deleted it's a fcra violation XXXX and XXXX XXXX model notice of negative account in accordance with The Fair Credit reporting act account XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 us c 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without instruction 15 USC 1666b a creditor may not treat a payment on a credit card account under any open and consumer Credit plan as late for any purpose

Company response to consumer: Closed with explanation
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: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I never open an account with these companies and I believe the accounts are fraudulent : 1. Cash Central- 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated code 15 U.S.C 1681 Sec. 602 A which states that I have the right to privacy. Also Code 15 U.S.C 1681 Sec. 604 A Sec. 2 states that a consumer reporting agency can not furnish an account without my written instructions. Also the information on my report isn't 100 % correct, that also violates my privacy.

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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated code 15 U.S.C 1681 Sec. 602 A which states that I have the right to privacy. Also Code 15 U.S.C 1681 Sec. 604 A Sec. 2 states that a consumer reporting agency can not furnish an account without my written instructions. Also the information on my report isn't 100 % correct, that also violates my 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've tried fixing this issue with this company since 2021. No resolution. They constantly blame the consumers for the inquiries but ask you to provide proof. Then you provide proof They don't do anything besides tell these lies about internal investigation which is all lies. This company has caused so many issues since their data breach its ridiculous

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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is a new card for me. On XX/XX/XXXX, I accidentally paid my entire balance twice, a transfer from my bank. I called immediately and was told no problem, it would be reversed in 3 days. The payment in error was {$9600.00}. On the XXXX I called again as it was not reversed. I was first cut off, then told " sometimes people say the wrong things, you understand? '' and then told it would be 10-15 days before they would credit my account for the double payment. I called back to complain and close my card. Today I received an email saying it would be 90 days. They have lied to me 3 times. I double paid my bill by accident and now they are saying 90 days to credit back over {$9000.00}.

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 belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE FAIR CREDIT REPORTING ACT OUTLINES THE RIGHTS THAT IDENTITY THEFT VICTIMS AND THOSE WHO BELIEVE THEY ARE VICTIMS HAVE THE RIGHT TO BLOCK FRAUDULANT INFORMATION FROM THEIR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT. BLOCK AND REMOVE THESE FRAUDULANT INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have formally requested by certified mail that Capital One Bank USA NA provide me with validation of the two accounts # XXXX and # XXXX that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Practice Act by not responding to any of my letters nor have they provided me any validation.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting incorrect information on account that I had with XXXX a car loan they are reporting it as a write off a charge off a bankruptcy and none of this is correct and harming my credit. then have the check for {$4500.00} posted to account with a balance of XXXX. Car was totaled in a car accident in XX/XX/XXXX insurance company provided check to XXXX for payout of XXXX XXXX XXXX. I have disputed this before with Experian but they report a lot of inaccurate information all the time.and they never fix 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 non-monetary relief