vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Alright let me start at the beginning I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used aggressive and deceptive recruitment tactics, such as pressuring me to enroll or take out loans or discouraging me from discussing my decision with family and friends. XXXX failed to live up to its obligations under a contract. 
My private loans I have been paying on these for a good while now the loans where through Navient I tried multiple times to call to get help to consolidate so I didnt have multiple private loans with all different high interest rates, I actually had to take a pto day off of work because I was on the phone so long with Navient support which they kept handing me off to the next person finally I just got upset and got short with them and finally a support guy was able to at least give me a number to call. The number they gave me was to XXXX which I guess they said was a sister company and the only one that would take this XXXX personal loans to consolidate them. So Ive been paying XXXX now a few months on time and I seen that Navient you can fill out a Misconduct Discharge Application and they will send you and you fill out and you could possibly get your private loans wiped out specially these XXXX private school loans. I sent the email requesting the form and this is what they sent me back. 
Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # 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 non-monetary relief
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I am a victim of identity theft my personal information was used unauthorized to open this account delete asap report 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 2024-06-10 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: Total Card, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft my personal information was used unauthorized to open this account delete asap report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I am a victim of identity theft my personal information was used unauthorized to open this account delete asap report 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 explanation
Consumer complaint received 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is the only consumer agency reporting an alleged repossession. I have no known knowledge of this allege repossession and they have not provided me with any proof that the vehicle in question was actually repossessed. TransUnion and the creditor must provide me with several notices prior to reporting this information. TransUnion keeps stating they verified this information but has yet to send me any valid proof that they did verify this information according to the standards of law. This is my final attempt to get this information or this is lawful notice that if you do not remove this information or provide any information I will immediately sue 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 2024-06-10 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-10 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: TX

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: IN

Complaint narrative:
On XX/XX/year> between XXXX : P.M. and XXXX : P.M I tried using my Direct Express Card at the ATM at the XXXX XXXX FCU located at XXXX XXXX XXXX. XXXX, XXXX, XXXX. The ATM stated that it was unable to process my request @ this time, the machine was not working properly and it held my card for a few seconds longer than normal before it finally released my card. I went inside the bank and told XXXX of the tellers of my situation. Since I didn't receive any funds {$700.00} from that ATM, my rider XXXX XXXX and I went to the XXXX XXXX XXXX XXXX @ XXXX XXXX, XXXX. XXXX, XXXX. I tried to withdraw {$700.00} from my Direct Express card but the teller said that it was unable to process that amount. I then tried to withdraw {$500.00} with success. I called the card info line to see why I could not withdraw {$700.00} and found out that my balance after the {$500.00} withdrawal was {$700.00} short. I immediately tried to contact Direct Express to find out why {$700.00} had been taken off of my Direct Express card. I wasn't able to contact them until the following morning due to the fact that I was on hold for several hours before anyone finally answered my call. Whenever I was finally able to speak to someone, I was told that I needed to file a complaint with the complaint department who only work Monday thru Friday and this was now Saturday morning. The person that I spoke with took the info and gave me a case # XXXX. After speaking with the complaint department on Monday, they gave me a provisional {$700.00} until they investigated the situation so they say. On XX/XX/XXXX when my XXXX deposit was put on my Direct Express Card, Direct Express took the {$700.00} back and my case was closed out. According to the bank XXXX XXXX XXXX XXXX and Direct Express they say that I received the {$700.00}, which is NOT TRUE. I have sent several emails trying to get them to please look into this matter more carefully. I have ask for the bank to look @ their surveillance camera and for Direct Express to send me a copy of my XXXX statement. Nothing else have been done by these companies to assist me in getting my money. Direct Express have government contracts and they treat recipients as if we are not important. I don't know of any actions that were taken by either company as no one has given me any thing in writing. The little bit that I have been told has been all verbal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX  XXXX concerning their violation of 15 U.S.C. 1666b, which pertains to the timely delivery of periodic statements for open-end consumer credit plans that was violated by XXXX XXXX. 

Here my XXXX  XXXX info : XXXX  XXXX Account XXXX -Date of Late Fee Assessed : ** XX/XX/year> and XX/XX/year> XXXX  XXXX assessed a late fee on my account, stating that my payment was late. However, according to my records, I have never received the periodic statement which did not provide the required 21 days before the payment due date as mandated by 15 U.S.C. 1666b. 

I have attempted to resolve this matter directly with XXXX  XXXX by requesting the removal of the late fee and proof of compliance with the statutory requirement. To date, I have not received a satisfactory response, nor have they provided the requested proof that the statement was mailed or delivered in accordance with the law. 


According to 15 U.S.C. 1666b ( b ), A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor adopt reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. In this instance, XXXX  XXXX failed to meet this requirement, resulting in an unlawful late fee and potential negative impact on my credit report. 


Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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 2024-06-10 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-10 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjust {$590.00} XX/XX/2023 ( requested debt validation and removal ) See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
There are unauthorized inquiries 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 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX OPENED ON XXXX, An credit card open by XXXXXXXX XXXXXXXX on XXXX and an credit card issued by XXXX XXXX XXXX  opened on XXXX XXXX XXXX  anf a two collection accounts from XXXX XXXX opend on XXXX XXXX, XXXX and the second account reported by XXXX XXXX open on XXXX XXXXXXXX XXXX  Hard inquirys from XXXX XXXXXXXX XXXXXXXX XXXXon XXXX This hard inquiry was from a fraudulent credit application that has been resolved by XXXX XXXXXXXX XXXX  XXXX. this has resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached 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 ( private case number ) 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 explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
I have federal student loans through EdFinancial. I was previously enrolled in an income-based repayment plan, and was transferred to the SAVE plan. Not much information was shared and when I reached out with questions on whether I was properly enrolled in the plan and what was happening with interest accrual, I did not receive a response for 176 days. 

Since then, it seems to be functioning fine. However, I received notice on XX/XX/XXXX that the terms of my repayment are changing. There was no additional information provided on WHY the amount is changing, and no response when I contacted customer service. My EdFinancial account now indicates that my loans are in " Administrative Forbearance '' with the note " Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX. '' I was never provided notice that the loans are in forbearance or any reason why this is the case. 

I have also been enrolled in autopay and have been granted the interest rate reduction since re-payement restarted. However, my account now states that the interest rate reduction is " suspended. '' I am likely being charged incorrectly and interest is accruing incorrectly. 

Previous communications from EdFinancial indicated that I did not need to re-certify anything until XXXX, so I do not understand why there are changes to anything on my account. EdFinancial does not provide any details or any information to customers, and they do not respond to inquiries for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized inquiries on my TransUnion credit report. Despite multiple attempts to dispute these inquiries with TransUnion, they have not been removed. I believe these inquiries were made without my authorization or a permissible purpose, and they are negatively affecting my credit score. The unauthorized inquiries are as follows : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX on XXXX. XXXX, XXXX ; XXXX XXXXXXXX on XXXX. XXXX, XXXX ; XXXX on XXXX. XXXX, XXXX ; XXXX XXXXXXXX on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XXXX. XXXX, XXXX ; XXXX XXXXXXXX on XXXX XXXX, XXXX ; XXXX XXXX on XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX  on XXXX. XXXX, XXXX. I have contacted TransUnion and the companies involved, requesting an investigation and removal of these inquiries. Some companies said they would open a case but never got back to me, while others claimed they have no way of checking inquiries. I have provided TransUnion with my identification details, contact information, a list of the disputed inquiries with their respective dates, and a clear statement that I did not authorize these inquiries and believe they were made without a permissible purpose. Despite these efforts, TransUnion has not removed the unauthorized inquiries from my credit report. This has caused significant stress and concern regarding the potential misuse of my personal information and the impact on my creditworthiness. I respectfully request the CFPB 's assistance in resolving this matter. I seek the removal of these unauthorized inquiries from my TransUnion credit report and a thorough investigation into the practices that allowed these inquiries to occur without my consent. Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

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 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with 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 non-monetary relief
Consumer complaint received 2024-06-10 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: CT

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with 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