vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: MI

Complaint narrative:
The Following accounts were used unauthorized. I am a victim of Identity Theft it affect my credit standing and finances. I need help removing the following accounts from my credit report! 

XXXX. XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX Credit Card {$0.00} XXXX. XXXX XXXX XXXX Note loan {$6300.00} XXXX. XXXX XXXX CARD Credit Card {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-21 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act 15 UCS1681 section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX and FICO are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies XXXX, XXXX, and FICO do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and FICO, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. XXXX XXXX and FICO

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 2024-02-21 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act 15 UCS1681 section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX and FICO are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies Equifax, XXXX, and FICO do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and FICO, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. Equifax XXXX and FICO

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
So, basically this company along with XXXX XXXX XXXX XXXX have violated my HIPAA rights, because I didn't give anybody permission too release my information too anybody for any reason. 
Not provide me with the proof that I do owe ANYBODY, especially Fin Credit Network, that i have requested multiple times through email and writing. They will not send me any type of proof, whether it be written contracts, authorization for release of information form or anything with my wet signature on it. They will only send me a validation bill. I have been fighting to get this information off of my credit reports for year 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: GA

Complaint narrative:
Sallie Mae has no good options for borrowers to pay back their XXXX loans. All of their reviews on XXXX, XXXX, and XXXX state these same issues. The company ask for your financial information but tell you what you can afford, even though you tell them otherwise. They barely drop your payments to an affordable rate and still report you even if youre paying something on the XXXX loan. You have people who arent paying ANYTHING on their XXXX loan but this company still treats those who try to pay something the same way. You call them and you talk to different people every time. Most of their employees have no clue whats going on and tell you many different things. Verbally accepting the term doesnt mean a thing to this company because when you talk to a employee and they verbally tell me one thing, and that one thing isnt valid, the only response I get is well check the recordings or file an complaint. So of course youre going to cover for your employees because you dont want to make the company look as bad as it already is. One employee told me pay what you can and you will not get reported. Ive heard this answer from numerous employees! Then 2 weeks later I get an alert saying my credit score went down. Once I called about the issue, they covered for their employee saying that they never told me that. Which was a lie. I also had one top employee tell me stop wasting your time calling because nothing is going to change. But they call you, leave voicemails, and emails about how they claim to want to help. People borrow money from Sallie Mae to go to college to better themselves for the future, not to buy cars, go on vacations, or etc. This company treats you as if youre nobody and try to drain you for every XXXX that you have. How are we going to better ourselves for the future when you have people like Sallie Mae that only cares about themselves, not working with their borrowers on what they can afford, and simply just tanking your credit even if youre paying something. If I had to start over and choose a company to borrow money from I would never choose this company. This is why their are so many kids, adults, and young adults who dont go to college because they are afraid of the outcome of borrowing money from a company who will only rip them off in the end like Sallie Mae .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have unauthorized inquires listed on my credit report. 

I have 4 listed on Equifax and 1 listed on XXXX. 

These inquires need to be removed asap. 

According to the FRCA, unverified and unauthorized items must be removed. 

XXXX - XXXX - XX/XX/XXXX Equifax = XXXX XX/XX/XXXX Equifax Mortgage Ser = XX/XX/XXXX Equifax Mortgage Ser = XX/XX/XXXX Equifax Mortgage Ser = XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
XXXX XXXX did not disclose how they got my loan request info. The loan process through email is backwards on disclosures. Predatory loan payment terms on {$1000.00} loan for 10 months breaks down to {$280.00} twice a month for a total of 20 payments ( i.e. 10 months and {$5700.00} ). I already paid {$1700.00} towards the {$1000.00} loan and then stopped payment. I found out it is a tribal loan. I live in California. 

XXXX XXXX is XXXX XXXX. Further research of XXXX XXXX XXXX XXXX XXXX showed XXXX XXXX financial service license is only for the jurisdiction of the XXXX XXXX, Alaska. XXXX XXXX doesnt have banking/financial license to do business within the jurisdiction of California. Tribal loan is not legal in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: SC

Complaint narrative:
I have received a phone call from this company during my working hours. I am unfamilar with this company and have never given them my non-public personal information. 

I would like for them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I am having trouble trying to explain to the mortgage company that the real estate taxes are incorrect. The company is insisting that my mortgage payment should increase to cover my property taxes, but the property taxes they have are incorrect. The past three years the county has reduce the amount owed on my taxes. I have a XXXX XXXX a XXXX survivor. If theyre sending the incorrect amount XXXX XXXX XXXX refund the difference to them. Which is my understanding that they should refund it back to me I have not received a notice of my homeowners insurance increasing so I dont understand what is the need of increasing my mortgage payment as a sidenote, I am under new Rez, which is a a company of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for Navient to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

NAVIENT - XXXX NAVIENT - XXXX Last 4 digit SSN - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My ex husband stole over {$3000.00} from my account while I was XXXX. My mother had my card and personal information to my bank only she did not give the information or the authorization to 60+ transactions he made to my account which is now closed because after denying my disputes they accused me of making a purchase against their policy and closed my account. Then proceeded to tell me that when I filed an appeal that they would not let me have the money that would be reimbursed to me I would not receive it in check nor could I withdraw it from my account after it was closed. For one I didn't have a job and I was in XXXX  so I couldn't have made the purchase against their policy and I was XXXX  when the transaction took place. I disputed them as best I could with their poor customer service which I had to make multiple disputes due to the customer service agent not paying attention and disputing all of them on one dispute ticket I had to call multiple times to get all disputes disputed. I waited longer than 45 days for their decisions and all was found no error occured I went to dispute their decisions and they told me my account would be closed leaving me in a hard bind and no longer owning a bank account I've had for over 5 yrs. I feel as if they didn't listen to me and decided to not reimburse me my $ XXXX I do have all the documents on this issue but do not have them available at this present time. If needed documents at later date feel free to ask

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
I accepted XXXX XXXX Unsubsidized Student Loans from the XXXX Department of Education. XXXX were in the amount of {$10000.00} and XXXX was for {$2000.00}. Without my prior knowledge or consent, which has been previously reported, using predatory practices Mohela took my account from XXXX. The manner in which they commenced this " unauthorized transfer '' is adversely affecting my credit report. XXXX and Mohela are reporting the loan as open. 

On XX/XX/2024 I spoke with both firms. The person at Mohela, who did not identify themselves said " it sucks to be you '' - when I explained the issue. You can see on the provided credit reports that loans held by XXXX and Mohela are still showing as active. I then spoke with a XXXX at XXXX, who shared Mohela has predatory practices to boost their balance sheet and this sort of behavior is common.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
I want you to remove the unnecessary inquiry from my loan report as soon as possible. To make it easy, I have put together an article to support this complaint. Please investigate this issue as soon as possible.

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