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 — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a full-class loan forgiveness member of the XXXX XXXX XXXXXXXX class action lawsuit due to attending a school that was founded to engage in fraudulent activities. My Department of Education loans obtained while attending XXXXXXXX XXXX have been forgiven due to the aforementioned. In XX/XX/2024, I learned Navient has a School Misconduct application that can be submitted for relief of private loans if attended a school that engaged in fraudulent activities. The application has to be requested and Navient doesn't willingly provide information about the school misconduct application. I requested the application several times in XX/XX/2024 and never received it. I finally received the application after filing an initial CFPB complaint in XX/XX/2024. The school misconduct application was submitted to Navient on the same date of receipt ( XX/XX/2024 ). My private loans were placed on forbearance status within 24 hours of Navient receiving my application. Interest has accrued on my loans daily since being on forbearance. On XX/XX/2024 I received notification from Navient my school misconduct application was denied. I provided detailed information to Navient regarding how my school engaged in financial aid fraud, used deceitful recruit tactics, forced admission decision via giving a mandatory short reply window, and engaging in repeated episodes of lying regarding accreditation plans. In the denial letter, Navient failed to provide any specific reasons regarding what criteria was used to determine my private loans did not meet discharge requirements despite my documented attendance to a school that a federal government has ruled engaged in the fraudulent activities -- Information I listed on the school misconduct application provided by Navient. Please note based on consultation with others who have submitted the school misconduct application, Navient does not appear to be using any specific criteria to process the applications and is randomly approving or denying applications. Navient has failed to provide me with any specific criteria used regarding why my application for private loan discharge was denied. Assistance is needed in obtaining this information as the school attended clearly engaged in fraudulent practices that support discharge of any applicable loans consistent with federal court decisions that have already been rendered.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy. 

Account name : XXXX XXXXXXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy. 

Account name XXXX XXXX XXXX  XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I requested the original bill I received nothing I requested who the bill was to and from I never received it

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: OH

Complaint narrative:
XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$10000.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$0.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX / XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$780.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and complete. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from unfair or deceptive practices by debt collectors. I am entitled to an investigation of my dispute and a response within 30 days. Please provide the results of your investigation, along with updated copies of my credit report, to verify that the disputed information has been corrected.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a restfonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX My husband took care of our finances. He got a cc from Citi Bank and they gave him a XXXX credit limit. There was a second card in my name. I earned the money that paid for the cc. He now has XXXX and I opened another Citi card in my name only and cancelled his card. They gave me a credit limit of XXXX. I asked for the same credit limit my husband had and they declined. We are the same family and the same income. The only difference is that this cc is in my name. I know that this is sexist. I want the same credit limit that we had for years.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
pulled credit report and im reporting fraudulent activity found on report that needs to be removed thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank forced me to put a fraud product on my acct or close it due to someone trying to use one of my company checks fraudulently. Huntington bank made a mistake entering the acct information which resulted in my company payroll not going through two months straight. This resulted in wire fees and NSF fees which never should have happened. I asked them to take the product off and they said they did. Two weeks ago, I had to write manual checks for payroll. My employees went to cash the checks and other banks would not honor them. I went to Huntington to find out why and it turns out that they never fully took the fraud product off and the teller blocks remained. I worked with them to get it removed and it still is not done. Some of my employees still have not been paid two weeks later. The money is in my account but I am unable to access my own money due to the blocks, and I can not get money to my employees. I have had to XXXX money out of my personal funds to make sure my employees have money. They need to get this resolved. It is affecting my small business negatively.

Company response to consumer: Closed with monetary relief
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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Fraudulent accounts please remove thanks

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX, Account name : XXXX  XXXX account # XXXX Account : XXXX Account # XXXX Account : XXXX Account # XXXX Account : US DEPT ED Account # XXXX Account XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. 
Resources

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: EQUIFAX, INC.
State: WI

Complaint narrative:
Fraudulent accounts on my credit report

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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Fraudulent accounts on my credit 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$10000.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$0.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX / XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$780.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and complete. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from unfair or deceptive practices by debt collectors. I am entitled to an investigation of my dispute and a response within 30 days. Please provide the results of your investigation, along with updated copies of my credit report, to verify that the disputed information has been corrected.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2021 Balance : {$10000.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/2021 Balance : {$0.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX / XXXX XXXX Revolving Account # XXXX Opened : XX/XX/2021 Balance : {$780.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and complete. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from unfair or deceptive practices by debt collectors. I am entitled to an investigation of my dispute and a response within 30 days. Please provide the results of your investigation, along with updated copies of my credit report, to verify that the disputed information has been corrected.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Inaccuracies reported by 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 XXXX XXXX XXXX  XXXX for {$830.00} on XX/XX/year> .. to XXXX, Equifax XXXX and XXXX credit bureaus XXXX After I filed disputes, an investigation by XXXX was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. I also dispute a Hard Inquiry on my Credit Report By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : 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 XXXXXXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA. These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA. Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders. I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely,

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

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously, although each credit bureau has not been doing what I am requesting. These fraudulent accounts are NOT MINE!!!

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Inaccuracies reported by 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 for {$830.00} on XX/XX/XXXX, XXXX 

to Experian, XXXX, and XXXX credit bureaus. After I filed disputes, an investigation by Experian was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. 

I also dispute a Hard Inquiry on my Credit Report By : 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 explanation