vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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 recently learned on my own that my private Iowans with Navient can be XXXX as I was a XXXXXXXX XXXX of the XXXXXXXX XXXX XXXXXXXX case that resulted in my federal student loans being XXXX. Navient never provided me with this information despite their awareness for several months. I have requested Navient send me a school misconduct application twice. XXXX weeks ago I learned I can not access this application on their site and that it will need to be sent to me. I have contacted Navient about this twice and still have not received the application. In addition, my monthly payment has since almost tripled and I am being told I do not qualify for reduced payments despite a consistent history of paying when the monthly payment was financially reasonable. I can not afford the new monthly payment and Navient will not put my loans in forbearance status pending the school misconduct application. Assistance and resolution from Navient has been attempted for the past XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
Security Credit Services is prohibited from filing claims in Ohio against consumers, so they have conspired with an Ohio attorney firm, XXXX XXXX XXXX owned by XXXX XXXX, to carry out illegal lawsuits against me. They also filed claims without producing the required documentation to do so as mandated by the CFPB. They are violating Ohio law, the FDCPA, FCRA, and attempting to extort me. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: KY

Complaint narrative:
This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that i refuse to pay this debt. Rather, I would like dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that i am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting and invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. Im sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. If you do not any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distrubuting them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 

XXXX XXXX XXXX Account # XXXX Balance {$6700.00} XXXX XXXX XXXXXXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$2100.00} XXXX XXXX XXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$170.00}

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 non-monetary relief
Consumer complaint received 2024-05-09 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: KY

Complaint narrative:
This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that i refuse to pay this debt. Rather, I would like dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that i am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting and invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. Im sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. If you do not any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distrubuting them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 

XXXX XXXX XXXX Account # XXXX Balance {$6700.00} XXXX XXXX XXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$2100.00} XXXX XXXX XXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
PLEASE CEASE AND DESIST ALL FURTHER COMMUNICATION AS PER 15 USC 1692 ( C ). IF A CEASE AND DESIST IS GIVEN TO A CHRYSLER CAPITAL THEY MAY NOT COMMUNICATE, IN CONNECTION WITH THE COLLECTION OF ANY DEBT, TO THE CONSUMER, HIS ATTORNEY OR A CONSUMER REPORTING AGENCY!!!!!!!!!! I called Chrysler Capital on Friday XX/XX/XXXX and spoke to a representative named XXXX employee ID # XXXX. I asked her for a statement of account to show that the account has been Charged off and they told me that they don't have any paperwork that says that the account was charged off when it clearly states on all 3 credit reports the the account was charged off as of XX/XX/XXXX. CHRYSLER CAPITAL IS VIOLATING 15 USC 1692E - FALSE AND MISLEADING REPRESENTATIONS SUBSECTION 10 THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT A DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER BY TELLING ME THAT THEY DON'T HAVE ANY PAPERWORK SHOWING THE ACCOUNT WAS CHARGED OFF IS ABSOLUTELY RIDICULOUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since around 2023 affiants personally identifiable information continues to be trafficked by third parties without consent, or copyright license through an organized criminal scheme to deprive liberty under color of law. 

Affiant has been denied housing due to the dissemination of false and derogatory information by credit reporting agencies and tenant screening companies, who knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright protected indigenous property for illicit financial gain and profits. 

These entities have willfully infringed upon Affiant 's exclusive rights as a copyright holder protected under the XXXX XXXX 's copyright registration XXXX, with the Treaty accession XXXX, by trafficking materially false information and engaging in unlawful screening practices against protected persons and property of the indigenous people.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Thursday, XX/XX/2024, at XXXX XXXX EST, I contacted Capital One via the customer " service '' phone number ( XXXX ) XXXX to discuss my credit card and a few questions I had about my Capital One Savings account. I was transferred to FOUR people to discuss my concerns. The last person I spoke with identified himself as a supervisor in the Fraud Department, XXXX ( I STILL do not understand why I was transferred to the Fraud Department when that was NEVER my request ). While I was asking my questions, XXXX frequently interrupted me to the point I had to ask him if he could hear me because his indirect answers did not resolve my direct questions. XXXX made a reference to Capital One 's bank policies, and when I AGAIN attempted to ask XXXX for further clarification about the bank policies, he AGAIN interrupted me, which prevented me from AGAIN asking my question. Then, I asked XXXX for his ID or any other identifiable information. He gave me XXXX XXXX XXXX ID. I then attempted to confirm his ID by stating, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' XXXX AGAIN interrupted me before I could finish speaking and said he would disconnect the call. He then hung up on me, and I still did not receive answers to my questions about my credit card and I never had an opportunity to ask questions about my Capital One savings account. I called back, filed a complaint, and asked that someone listen to the recorded phone call ( XXXX unnecessarily told me TWICE that the call was recorded ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
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 inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX, I attempted to add my debit card to XXXX XXXX, but encountered an issue due to a bank inconvenience. The following day, XX/XX/XXXX, I relocated to XXXX and attempted a purchase, only to have the payment declined. Thankfully, I was able to withdraw cash using an ATM. 

Subsequently, on XX/XX/XXXX, I tried accessing my account via both the app and the webpage, but encountered technical difficulties. A message indicated the issue was related to technical problems. 

By XX/XX/XXXX, upon contacting the bank, I was informed that my account had been blocked due to a suspected fraud alert. They mentioned communicating with their fraud department to verify my account and resolve the issue. During the call, they requested my full name as listed on the debit card, the debit card number, the secret word, and the last XXXX digits of the ID provided to the bank when opening the account. 

Furthermore, they asked for a number to receive an SMS verification code, to which I provided the numbers already registered in the account. However, they stated it was not possible to use these numbers for verification and abruptly ended the call. I made XXXX more attempts to contact them that day, with each call ending similarly. 

Despite my urgent need to access funds for various expenses related to my relocation, subsequent calls yielded no progress without the verification code. Initially, they claimed the letter containing the code was sent on XX/XX/XXXX. However, during a call on XX/XX/XXXX, they stated it was sent on XX/XX/XXXX, and I would need to wait an additional XXXX to XXXX business days. 

Unable to visit a bank branch without the verification letter, I remain unable to close the account or conduct any transactions. My identity alone is insufficient for verifying the account. 

With over 20 days elapsed since access to my account was lost, my entire salary and all my savings remains deposited there, leaving me unable to even use services like 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 2024-05-09 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: FL

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 inquiries 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 2024-05-09 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:
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 inquiries 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 2024-05-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO YOUR CONSUMER PROFILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: CT

Complaint narrative:
I Looked at my report XX/XX/year> and noticed some things are incomplete and not accurate. and In accordance with 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. the LIST OF ACCOUNTS below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681., XXXX XXXX XXXX XXXXXXXX Open date is not reporting correctly, XXXX # XXXX XXXX date is not reporting correctly, XXXX. XXXX # open date is not reporting correctly, XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly., XXXX XXXX XXXXXXXX Open date is not reporting correctly. 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 hitch 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 2024-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous efforts, I have not been able to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX and financial distress. As a victim of identity theft, I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
The name of the account is XXXX XXXX this is the original debt collector and they sold it to CBS collections without consent. This account stated that it was open XX/XX/2019 for {$6900.00} owed. The actions that were taken was myself disputing on several occasions and written letters to the company and the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: KY

Complaint narrative:
XXXX, XXXX XXXX Experian ( Review Attached Documents ) Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 ( AN ( 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. 

Remove Following non-mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX - XXXX XXXX XXXX XXXX XXXX KY XXXX Update Accurate Account Payments Dates : XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX ( Update Payment information for XXXX, XXXX as Paid ) XXXX XXXX XXXX, Account Type : Revolving, Date XXXX ( Update Payment information for XXXX, XXXX as Paid ) Remove Unauthorized Accounts Listed Below : Account XXXX ( Original Creditor : XXXX XXXX  ) # XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Accounts Listed Below : Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Inquiries : XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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