vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In Accordance With The Fair Credit Reporting Act, The List Of Accounts Below Has Violated My Federally Protected Consumer Rights To Honesty And Confidentiality Under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) Consumer reporting agency can not furnish account information without consumers written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: IL

Complaint narrative:
I have been calling Navient to confirm that My Tuition Answer loans were part of the multi state settlement that stated that the loan would be cancelled under certain conditions. When I talked to multiple people they stated that I am not part of the cancellation. However this is untrue. 

1. My Loans were taken out from Sallie Mae between the time frame listed. I took out Sallie Mae Tuition loans between XXXX. 

2. My loans were subprime. My credit score was well below the XXXX threshold. Hence the cosigner that was assigned. 

In the Multi State settlement it states that I fall under the cancellation for Category 3 Criteria. 

" Any non traditional private educational loan with an outstanding balance and in past due status as of the debt relief forgiveness date '' after 2002. I defaulted on these loans. They were past due. Sallie Mae XXXX Navient had to take me to court and they wrote off 71 % of the balance, and then told me that they would be in default status. 

In the court documents it states any non traditional loan that was made to a borrower with a FICO score below XXXX to attend a public or private university that was non profit. 

When I told them that I fall into this category they stated that they would not be forgiving my loans, because I do not fall into that category and they only are forgiving loans that are from Category 2 For Profit schools. 

This is in the face of the court documents that show Appendix A : Private Loan Relief, for Category 1 - All Opportunity and Recourse Loans, and Category 3 Non Traditional with subprime credit scores. 

There are 5 tuition answer Sallie Mae Loans that fall under the Category 3 - Non Traditional subprime credit category that should be cancelled under this agreement. 

Furthermore, One Customer Service Advocate or Representative told me that I may be part of another lawsuit under XXXX XXXX Navient, and that any payments I made after the bankruptcy may be refunded back. 

Not limiting to XXXX, Navient should remove the loans from my credit report, and cancel the debt. IF later XXXX vs Navient determines that money is owed, then also should they return any money back. 

I am asking that 1. Navient Immediately follow the XXXX guidelines and cancel these loans. 
2. If XXXX succeeds in XXXX vs Navient then they can repay the money owed at a later date. 

I understand that I am part of both lawsuits against Navient XXXX Sallie Mae. However, right now Navient needs to cancel immediately the loans under the first Multi State Settlement against Navient. Later they can determine the repayment owed under XXXX vs Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT. THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681B. COMPANY HAS NO PERMISSON TO REPORT ANYTHING USING MY INFORMATION PURSUANT TO 15 USC 1681. ( 4 ) PORTFOLIO RECOVERY NEEDS TO REMOVE IMMEDIATELY THEY HAVE NO GROUNDS AND I HAVE NEVER DONE BUSINESS WITH THEM. THERE ARE NO CONTRACTUAL OBLIGATION BEARING MY SIGNATURE WITH THIS COMPANY. I AM NOT ASKING FOR STATEMENTS THAT DOES NOT PROVE THAT THIS IS MY DEBT. PLEASE SHOW ME WHERE I GAVE YOU OR ANY OTHER AFFILIATES OR THIRD PARTIES PERMISSION TO CONTACT ME OR REPORT MY PERSONAL INFORMATION. IF YOU CANT SUPPLY THAT DELETE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate and clearly unverified information is being reported for me. I am a victim of identity theft and I need verififable proof that all information being reported has been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: KY

Complaint narrative:
On XX/XX/2022 I ordered my NCTUE report using the automated system, I was mailed to separate reports with different confirmation numbers. 

On XX/XX/2022 I attempted to order another NCTUE report to get an updated report, but NCTUE could not find my information on the automated system. So I called NCTUE and was told to fax my ID, which I did and asked for an updated report. I have received NO report, and the automated system still does not recognize me? 

I will include the XX/XX/2022 ID fax that was never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2021, my husband and I started the process of securing a line of credit/equity loan on our home. We decided to work with Regions Bank as I had a prior relationship with them. I was specifically working with XXXX XXXX, underwriter, XXXX XXXX and XXXX XXXX XXXX was also involved in the process. 

There were multiple communications by phone and by email. At some point we were notified that that we were in the final underwriting stage and then all communication just stopped. This took place from approximately XX/XX/2021 - through about the end XXXX, end of XX/XX/2021. 

After communication stopped - both by phone and by email, I made a final reach out to determine what happened and was advised by XXXX XXXX that our application was denied. I stated that we had not received official documentation outlining the reason for our denial. XXXX promised to follow up with me from their underwriting team and that a letter would be sent. A letter was never sent and has never been received. 

We subsequently obtained a equity home loan from XXXX XXXX XXXX as of XX/XX/2021. 

Can the CFPB assist in helping us obtain the official letter outlining the reason for our denial? I do not want any hard checks on my credit report, just to have an understanding why this is. 

Additionally, in and around XX/XX/2021, I requested a credit limit increase on my credit limit on my Regions XXXX Card and avail myself of the multiple 0 % offers they provide as my balance was down to {$0.00}. Both of these were denied after hard credit pulls with no letter stating why the credit increase or the offers were denied. 

Isn't this in violation of the Fair Credit Reporting Act?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter in XX/XX/XXXX to request removal of an account that should have been removed last year in XXXX. I submitted the letter from the creditor proving that this account should be removed from my credit report along with my request. 

It is now XXXX and its still reporting on my credit report This is a violation of my FCRA rights and it needs to be removed. 

Also Ive included a copy of my XXXX Credit Report and XXXX credit report - XXXX NOT ONLY changes information that is AGAIN incorrect but disregards the letter from the creditor and doesn't remove it. Also in another violation because you can not have a payment history on a charged off account. They are reporting this account completely 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 explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account Name U.S DEPARTMENT OF EDUCATION Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian never preformed a proper investigation according to the FCRA with XXXX account XXXX. The term investigate consumer report means a consumer report or portion thereof in which information on a customer character, general reputation, reputation personal characteristic or mode of living is obtained through personal interviews with neighbors, friends or associated of the consumer report on or with whom he is a acquaintance or whom my have knowledge concerning any such item of information. Experian did not do this. This is grounds for deleting this account. Experian violate the law because according to 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I did not give Experian or anyone written instructions to furnish my personal information or this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for the XXXX Amex XXXX card under the following promotion : XXXX bonus miles and XXXX MQMs after {$3000.00} had been spent on the card. When I reached that threshold, I received XXXX bonus miles and XXXX MQMs. I contacted both XXXX and Amex about this, XXXX told me it was an Amex issue. Amex told me that the " promotions change all the time '' and this was the promotion linked to my account. Basically, it became their word against mine. Had I not been actively checking my account, I never would have known that they withheld the full promotion from me. Pure scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Our home mortgage loan is with Lakeview Loan Servicing , LLC. A security incident involving unauthorized access to their file servers occurred in early XXXX of XXXX. As a result, a list of individuals ', including myself and my husband 's, information ( including our social security numbers ) were accessed. Due to the breech in security, Lakeview Loan Servcicing has offered a year 's membership to XXXX, a third party monitoring company, to provide security protection and monitoring services to us. 

I went onto XXXX 's website and began to fill out the information required for membership. One of the first questions asked for our social security numbers. I felt extremely uncomfortable giving this information to a company that I know nothing about and is not even listed among the top ten security protection and monitoring companies. 

We believe XXXX should pay for a security fraud protection company of OUR CHOOSING. When I tried to contact Lakeview Loan Servicing, at ( XXXX ) XXXX, I left a message for the Senior Vice President and Chief Compliance Officer, noted at the bottom of the correspondence, notifying us of the breach in security. I never received a call back. Today, I tried calling again. The gentleman who answered the phone had such a heavy accent that what he said was mostly indecipherable. In the end, I was refused the request to speak with XXXX XXXX, XXXX, Chief Compliance Officer and told to call " another day. '' So, it appears that we are left with our personal, pertinent information, floating around out there ; We have no recourse and can not reach the loan servicing company for comment, help or questions. 

Can you please help 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 explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
This is a complaint against Credit Acceptance Corp. This complaint will outline several federal violations made by the financial institution. 
1 ) violation 15usc6802 ( b ) of the FCRA : A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) Violation of The Gramm-Leach-Bliley Act 3 ) Violation 15usc6802 ( b ) ( 1 ) of FCRA : A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

4 ) Violation 15usc6802 of the FCRA : Obligations with respect to disclosures of personal information. A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title

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