vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
he following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. XXXX XXXX XXXX XXXX ( was not opened by me please delete the closed account ) The following inquiries were not done by me, so please delete XXXX XXXX COMP XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  SER XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXX 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 2022-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am a XXXX XXXX ( XXXX ). 
I took out federal loans ( XXXX ) to attend XXXX University XXXX XXXX. 
Navient refinanced my federal loans into private ones on or around XX/XX/XXXX, which would be made them ineligible for a loan forgiveness program announced by President Biden. I have contacted Navient for a refund. I should get a refund because I am a XXXX XXXX under the PSLF Waiver and one of the individuals covered under the {$1.00} XXXX Settlement With Student Loan Servicer Navient who has not received relief. I continued to pay my loans all through the Covid-19 pandemic. The response I continue to get from Navient is that, at the moment, we do not have any additional details on the forgiveness program. That is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
The following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. XXXX XXXX XXXX XXXX ( was not opened by me please delete the closed account ) The following inquiries were not done by me, so please delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
The following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. The following inquiries were not done by me, so please delete : XXXX XXXX2022 ), XXXX XXXX XXXX-2022, XXXX XXXX-22, XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX2022 ,

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Filled a dispute with experian who stated it will remain on my credit even though it is XXXX XXXX old and also has wrong loan amount, wrong payment history and wrong highest balance. They refuse to remove the account as it has inaccurate information

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
The following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXXXXXX XXXX XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. The following inquiries were not done by me, so please delete : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Filled a dispute with experian who stated it will remain on my credit even though it is XXXX XXXX old and also has wrong loan amount, wrong payment history and wrong highest balance. They refuse to remove the account as it has inaccurate information

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Filled a dispute with XXXX  who stated it will remain on my credit even though it is 10 years old and also has wrong loan amount, wrong payment history and wrong highest balance. They refuse to remove the account as it has inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted my personal statement, fc report, identification card and I identified the accounts that were 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 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
IM CURRENTLY LOOKING INTO PURCHASING A HOME AND I CHECKED MY CREDIT REPORT AND NOTICED I WAS ADDED AS A AUTHORIZED USER ON A TD CREDIT CARD , I THEN CONTACTED TD CUSTOMER SERVICE AND STATED I HAD NO KNOWLEDGE OF BEING ADDED ONTO ANY TD CREDIT ACCOUNTS , THEY NOTIFIED ME TO GO TO MY TD BANK BRANCH TO BRING IDENTIFICATION TO VERIFY MYSELF I DID AND THEY STILL COULDNT PULL UP TD PROFILE FOR ME SO THEY THEN STATED I SHOULD SEND A LETTER ALONG WIT COPY OF MY LICENSE TO TD XXXX SERVICES IN COLUMBIA SC WHICH I DID AND I STILL HAVENT GOTTEN THE ACCOUNT REMOVED OFF MY XXXX OR XXXX CREDIT REPORT 


BELOW IS A IMAGE OF XXXX CERTIFIED FIRST CLASS MAIL TRACKING # AND RECIEPT FOR THE 2 TIMES I MAILED OFF THE INFO TO TD XXXX CARD SERVICES XXXX XXXX XXXX XXXX  SC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc.
State: TX

Complaint narrative:
I had a chat with a Sezzle representative on XX/XX/22. In the chat the representative reported that I paid my final amount owed on XX/XX/22 in the amount of {$100.00}. However, when I filed a dispute with the XXXX XXXX XXXX XXXX, they did not update the balance. It is still reflecting on my credit that I owe {$820.00} and my credit usage is 127 % which is negatively reflecting on my credit driving my score down. I have filed two disputes. For the first dispute my credit score was XXXX. Sezzle went back and updated that I was 30 days late and it drove my score down to XXXX. Then for the second dispute they took the 30 day late notice off and it only drove my score back up to XXXX. I would like to have this matter updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -BK OF XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion -XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE XXXX : XXXX XXXX -XXXX XXXX XXXX XXXX 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 an 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 2022-09-27 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  U XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX -BK OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE XXXX : XXXX XXXX -XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2022-09-27 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2022-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Nissan paid to XXXX XXXX, VA the Virginia Property taxes on this vehicle for the period XX/XX/XXXX to XX/XX/XXXX in the amount of {$430.00}. This amount was paid on XX/XX/XXXX. 

I purchased the vehicle at the end of lease on XX/XX/XXXX. 

XXXX XXXX refunded Nissan {$130.00} representing the portion of property taxes from XX/XX/XXXX to XX/XX/XXXX. They send a check to Nissan on XX/XX/XXXX in the amount of {$130.00} representing the pro-rated taxes for the portion of the period for which Nissan no longer owned the vehicle. The check was mailed to XXXX XXXX on XXXX/XXXX/XXXX and cashed on XX/XX/XXXX. 

I have reviewed this with Nissan Finance on XX/XX/XXXX and XX/XX/XXXX. Nissan continues to bill me for the full amount of {$430.00}. I owe Nissan {$290.00}. ( {$430.00} they paid less the refund of {$130.00} they received ) Nissan refuses to look into this or send a correct bill to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I have continued to receive harassing phone calls, letters, and threats to my credit for alleged late payments to Rocket Mortgage. I have called repeatedly since XXXX, have had late fees removed repeatedly, and requested that they update their accounting to reflect a current payment status. The company continues to state that I have had returned payments and owe additional mortgage payments. There have been XXXX months this year and I have made a total of XXXX on time mortgage payments which have been verified by my bank and none were returned for non-payment. I have submitted proof to Rocket Mortgage that all payments were processed and they continue to falsely accuse me of missing payments. I have suffered financially due to erroneous late fees, threats to my credit, harassment, and slander from this company. I sought legal advice and the attorney informed me to launch an investigation with this organization. I really need assistance and to hold this company accountable for illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I'm embarrassed I have to file a complaint I thought exercising my right as a consumer was protected and that laws had to be followed. I have been disputing these inaccurate and unverifiable accounts for months now with no response or mail in response to my request as a consumer. On XX/XX/2022, I sent disputes concerning accounts that are illegally reporting on my credit in violation. In accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report.

USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something then it is known as an " Investigative Consumer Report '' but i do know for you to investigate things you need to conduct interviews with the following : - Interviews with neighbors - Friends - Associates of the consumer - or anyone who might have knowledge concerning such items of information I have yet to receive any proof from the person that is reporting on my consumer report. I was not sent any information, I've been getting papers from XXXX saying I'm working with a credit repair which is clearly not. They even refused to process my disputes as a consumer isn't that illegal? The cause of this has been stressful and impacting my financial life to purchase anything. On XX/XX/2022 I sent another letter to comply with my request which might get ignored like all the rest which is why I'm making this complaint now.

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 2022-09-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-27 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:
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 U.S.C. 1681. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 an account without my written consent. 

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 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited two checks on XX/XX/2022 to my Fifth Third checking account. One from my mother for {$1500.00} and another for {$480.00} from a settlement. My account at the time was overdrawn by {$270.00} and while I had thought perhaps one check might be held I had deposited several checks from my mother that were not so I had no expectation there would be any problem. 

Imagine my shock when I checked this morning XX/XX/2022 my deposit shows as pending but I am still negative. I received no text or alert and they are holding not one, but both checks until XX/XX/2022. This is deliberately keeping my account negative and will cause more transactions, including my car payment and an IRS payment to be returned when I should have more than sufficient funds to cover both. 

My account has been open for almost a year and I receive direct deposit of my paycheck and never had any check I deposited returned. This seems manipulative and predatory. 

I spoke with a branch representative when my account was new and I had a hold on a mobile deposit. He specifically told me if I did not use a mobile deposit I would not have a problem. 

I am going to have fees from both Fifth Third and various companies if these bills are returned unpaid. I reached out to them and explained everything and they basically said too bad it is what it is. I received nothing when depositing or after that these would be held.

Company response to consumer: Closed with explanation