vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA
State: SD

Complaint narrative:
Hello! This concern is regarding my recent XXXXXXXX XXXX XXXX application, financed by FNBO. I submitted my application on XX/XX/year> and it was placed into pending status. I would like to get more clarification on the current status of the application and the expected timeline for approval/denial. Has a verification letter been sent manually by mail as part of the fraud/risk strategy? Is the application pending manual review? I would love to provide anything needed to finalize the decision. This is the longest I've waited for an application sitting in Pending without some sort of update, even if it was to clarify that they will be sending additional verification documents in the mail. I am aware that it can take 10-14 business days to review an application ; does that mean they are all manually reviewed? Any help would be greatly appreciated! PS The front-line agent I spoke to ( XXXX , I think ) was lovely, but seemed to have no more access to the information than I did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I would like to file a school misconduct charge related to the XXXX XXXX  for Navient private student loans. The private loan I have with Navient is for an in-semester tuition hike that was charged by XXXX when I was attending school there in XXXX. XXXX has a long history of terrible business practices and they misled me on how much my XXXX XXXX XXXX would be worth, how they would help me find a job, their job placement rates, etc. I have filed a Borrower Defense case against this school and been approved, which included discharge of my federal student loans. My private loans should be discharged as well, especially because it is particularly predatory to raise tuition mid-semester, knowing that the only funding option is a private loan at a higher interest rate. The original amount of the loan was {$5500.00}. I have been paying it for almost 20 years and the current balance is still {$1200.00}. In that time I have filed for bankruptcy, been forced many times to go into default, at which time Navient aggressively sought payment using harassing phone calls, even when I explained my dire financial situation. I have made a total of {$16000.00} in payments for that original {$5500.00} loan. Both XXXX and Navient are incredibly predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please thoroughly validate all the information provided. This entails ensuring that each detail presented is accurate, complete, and in compliance with relevant laws and regulations. Validation encompasses verifying the authenticity of documents, confirming the accuracy of data entries, and ensuring that all information aligns with established standards and requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Education Principle Foundation
State: GA

Complaint narrative:
I took out federal student loans to attend The Art Institutes of XXXXXXXX  from XXXX through XXXX. I've paid off my loans, but I understand that students who were enrolled with any of The Art Institutes schools who still have outstanding student loans will have the debt forgiven. Paying off the money that I borrowed for my student loans started a cascade effect that has built debt throughout my adult life. From the information I have come across, it seems that I am not eligible for repayment of my loans because I finished paying them off. I would like to submit that even though I completed my loan payments, the effect of them has not yet dissipated from my life and my ongoing financial struggles seem to have, at least in some part, been catalyzed by these student loans. The Art Institutes have been confirmed to have utilized predatory tactics and exaggerated ( or falsified ) information to ensure student loans would be authorized. The fact that I have paid off my loans should not exclude me from the compensation that should be owed to help with the ongoing financial hardships that have plagued me since working to pay off my student loans.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding the mishandling of credit disputes by XXXX and TransUnion. These disputes concern inaccurate charge-off information reported by XXXX XXXX XXXX XXXX Despite providing substantial evidence contradicting the reported information, the credit bureaus concluded their investigations by simply verifying the data provided by XXXX XXXX XXXX without adequately considering my provided evidence. 

Detailed Account of Dispute and Responses : Initial Discovery and Dispute Submission : XX/XX/2024 : Identified discrepancies in credit reports from XXXX and TransUnion regarding an auto loan marked as a charge-off with an outstanding balance of {$10000.00}, reported by XXXX XXXX XXXX . 
Submitted detailed disputes to both bureaus with supporting documents, including payment records and correspondence with XXXX XXXX XXXX that disputed the charge-off status. 
Credit Bureaus ' Responses : XX/XX/2024 : Received responses from both XXXX and TransUnion. Each bureau stated that after their investigations, they found the information provided by XXXX XXXX XXXX to be accurate and made no changes to the charge-off entry on my credit reports. 
Actions Taken and Documentation Provided : Provided payment histories and detailed chronological correspondences with XXXX XXXX XXXX, attempting to correct the financial records. 
Highlighted discrepancies in the reported balance and status directly to the credit bureaus through formal dispute letters. 
Impact of Inaccurate Reporting : The erroneous charge-off on my credit reports has severely affected my credit score, leading to credit application rejections and potential financial harm due to increased interest rates on new credit applications. 
Concerns Over Investigation Adequacy : The responses from the credit bureaus suggest a lack of a thorough investigation into the disputes, as they did not address the substantive evidence I provided that contradicts XXXX XXXX XXXX reporting. 
Request for CFPB Intervention : I am requesting the CFPB 's assistance to ensure a thorough re-investigation of these disputed entries. I believe the credit bureaus have not fulfilled their obligation under the Fair Credit Reporting Act to perform a proper investigation and to maintain accurate and verified information on my credit reports. I seek the CFPBs support to rectify these inaccuracies that have resulted in significant personal and financial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: MO

Complaint narrative:
I have requested in writing multiple times debt validation after two collections appeared on my credit report from a company I have never done business with and have no responsibility to. They have not provided any of this information and my credit score dropped over XXXX points because of these accounts. I am now not able to purchase the house I was approved for before these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: MO

Complaint narrative:
I have requested in writing multiple times debt validation after two collections appeared on my credit report from a company I have never done business with and have no responsibility to. They have not provided any of this information and my credit score dropped over XXXX points because of these accounts. I am now not able to purchase the house I was approved for before these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/24 ) i'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their continued inaccurate reporting of information on my credit report. Despite numerous attempts to dispute these inaccuracies, I have seen no resolution, and the negative impact on my credit score persists. The most recent update to my credit report was on XX/XX/2023, yet the inaccuracies remain unaddressed. I have tried to dispute online, by mail, and by phone ( customer service doesnt seem to be based in US ). No help! I recently called and asked the representative how often do TransUnion update information? I was told that I had to wait until I noticed an inaccuracy then call to dispute the item. Which you are only allowed to dispute one item at a time, which is 30 days in between! These inaccuracies are adversely causing undue stress and frustration. 

I respectfully request that the CFPB intervene in this matter and take appropriate action to ensure that TransUnion fulfills its obligation to report accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dear [ Credit Bureau ], I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : Navy Federal Credit Union Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with Navy Federal Credit Union. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX XXXX  Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief