vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/year>, I've submitted a School Misconduct Discharge application that was provided to me by Navient. After it was submitted, I received a notice on XX/XX/year> that my application was denied. The reason given was not a full transparent explanation on to why the decision was made to deny it. The letter stated the following reason and I quote : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do no meet the requirements for discharge based on misconduct by your school. '' Upon receiving this denial, I made a phone call and chat with a customer service agent and was still not given a transparent answer on to why it was specifically denied or what additional information was needed to have my application reconsidered. I was told the following statement " Navient considers a variety of factors in determining whether a private loan should be discharged based on school misconduct. That analysis is confidential and proprietary to Navient '' I requested an appeal process to this denial and was just told to resubmit an application again. On my original letter that they had received my application it stated the following : " If during our review, we determine there is missing information needed to consider your application complete, we'll let you know what's needed to continue with your application '' With that said, I was never asked or given an opportunity to even provide additional documentation that may have been needed during a review process that may have helped give a full and fair review process rather than just being another added statistic to the pile of automatic denials that have been given to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
Upon further review it has come to my attention that I have been victimized by identity theft and there are currently two fraudulent accounts and four UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX ran it twice on two separate occasions, XXXX and XXXX to all three of the credit bureaus. I have filed a police report with the XXXX Police Department and submitted a complaint the CFPB Consumer finance protection bureau. I am currently disputing these accounts with all three Credit Bureaus as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I do not authorize these inquires to be pulled, from my credit report please remove them. 

JPMCB Auto Finance pulled XX/XX/XXXX2024 XXXX XXXX Bank pulled XX/XX/XXXX2023 XXXX XXXX Pulled XX/XX/XXXX2022 ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2024-07-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Please reference XXXX ID : XXXX & Complaint ID : XXXX. 

After attempting to communicate with Bank of America and them ignoring my request to communicate with them by email, I received a letter in the mail ( attached ) on XXXX, XXXX, 2024 dated XXXX, XXXX, 2024 stating that they have reported negative information to the consumer reporting agencies and that Bank of America is considering my dispute resolved. 

Again, I have no idea what this debt is, who's debt it is, and Bank of America continues to send threatening letters to me telling me they have and are taking action to put negative remarks on my credit report. 

I have not received anything from Bank of America since they sent me the first letter in Case ID : XXXX. This letter was sent to me out of nowhere and I have no clue why they sent it to me in the first place. 

They refuse to communicate with me and to provide any documentation about whatever this debt is in regard to.

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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: LA

Complaint narrative:
Letter XXXX XXXX XXXX  with USPS tracking number XXXX signed for on XX/XX/year> requesting verification of the account with a document bearing my signature. Nothing furnished within the 30 day time frame. Letter sent XX/XX/year> with USPS tracking number XXXX received on XX/XX/year> requesting again verification of account with documentation bearing my signature. Requested item not furnished in the 30 day time frame. XXXX sent XX/XX/year> USPS tracking number XXXX received XX/XX/year> requesting validation again with no documents sent proving any signature of mine bearing an account with this company. They are reporting inaccurate information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I found out my mortgage company XXXX XXXX was changed on XX/XX/XXXX from the new company, Mr Cooper. The letter said that the change was effective XX/XX/XXXX, but that there would be changes to my mortgage except where t make payments. 
No other information was provided. 
When I tried to change back to XXXX XXXX, Mr Cooper told me the only option was to refinance. That would mean a higher rate than my current mortgage with XXXX XXXX. Then I discovered that Mr. Cooper changed my home insurance company with my permission. I trouble filing a claim with my old insurance company. After many requests, Mr Cooper finally told me that it changed my insurance company. I have objected to the change. 
I started calling for information shortly after the transfer on XX/XX/XXXX and have been complaining regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is illegal to report information on my credit report without my written permission ( 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of charge offs that is now taxable income ( no 1099-c ) not disputable debts, closed accounts, and collections accounts opened at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, the credit bureaus are re-aging, updating, and reporting closed inaccurate accounts and collections as open accounts which is illegal under the FCRA compliance XXXX Never received the debt contract requests from any of the companies mentioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is illegal to report information on my credit report without my written permission ( 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) that you, the XXXX, Experian, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of charge offs that is now taxable income ( no 1099-c ) not disputable debts, closed accounts, and collections accounts opened at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the credit bureaus are re-aging, updating, and reporting closed inaccurate accounts and collections as open accounts which is illegal under the FCRA compliance XXXX Never received the debt contract requests from any of the companies mentioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: NY

Complaint narrative:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did.

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
extra payments of {$100.00} I made from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  were originally applied where I paid them, as principal only payments, then were retroactively taken from where I paid them and put on other loans. I called to have them fix this. They said they did. Now XXXX has no information about my loans and AidVantage says they have no info either. I think the 7 extra payments I made between those 18 months was illegally taken and put on outstanding interest in order to increase the profits of XXXX before they transferred my loan and deleted all information about the account. This happened on XX/XX/XXXX and my payment history shows that these payments were originally accepted for a different date. They didn't send any information to Aidvantage either. So now no one has any record of my account. All digital receipts were deleted by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not know these hard inquires so please remove these from my credit report. Thank you. XXXX XXXXXXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2024-07-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA {$6000.00} ( 15 U.5.0. 1681cXXXX2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 10 business days of you receiving this complaint. These XXXX XXXX XXXX fraudulent, inaccurate, and false information collections account opened in XX/XX/year> and has caused ad adversely negative affect on my consumer report. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The fraudulent accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraudulent accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2024-07-30 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: VA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief