vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, on XX/XX/year>, and again on XX/XX/year>, I investigated my credit report and realized several inaccuracies, invalidated and unverifiable items that the 3 major credit bureaus are reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims violates my consumer rights and is unjust. The credit reporting agencies are either not responding or stating that the information I submitted on the above dates mentioned with my letters was unverifiable.

Again, there are several inaccuracies still showing on my credit report. In some cases, they have been removed and reinserted, causing me to lose housing opportunities and from obtaining credit. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ), these accounts violate not reporting 100 % correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Formal Complaint Regarding Predatory Lending Practices by Navient dear Sir/Madam, I am writing to file a formal complaint against Navient, the loan servicer, regarding predatory lending practices associated with my private student loans. 
Despite the closure of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX due to numerous violations, and the subsequent approval of borrower defense to repayment for my federal loans, Navient persists in aggressively pursuing repayment of my private loans obtained for the same institution. 
During my enrollment at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I was subjected to egregious instances of predatory behavior and misrepresentations by Navient. These practices included : Coercion and Duress : Navient representatives, acting on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX coerced me into signing loan documents under duress, I was forcibly removed from class and escorted to the office of a financial aid representative who was working with Navient the servicer of these loans who went by the first name XXXX Upon arrival, I was presented with loan documents and threatened with severe consequences, including expulsion from class and eviction from the dormitory, if I did not sign the documents immediately. Given that I resided in the dormitory at the time and my permanent home was in XXXX, New York, I faced significant hardship and felt compelled to sign the documents to avoid potential homelessness. 
Lack of Transparency : Throughout my time at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Navient failed to provide clear explanations of interest rates, loan structures, and repayment options, leaving me uninformed and vulnerable to financial exploitation.These predatory lending practices by Navient have had severe consequences for me and countless other borrowers. The closure of the institution and the subsequent approval of borrower defense to repayment for my federal loans underscore the severity of these violations that occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I was paying $ XXXX for my student loan. Then the government put it on pause. When the pause was lifted, they raised my monthly payment to $ XXXXmonth. I have tried calling several times and am on hold for hours. I finally did reach someone who transferred my call to her manager but I was then again on hold for hours. Please advise what I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX hard inquiries shown on my credit report. On XX/XX/2024, I recalled opening a checking account with XXXX XXXX, but I did not apply for any loans with them. However, I see that there is a hard inquiry made from that company on my credit report, which credit unions are not supposed to pull credit/or credit check when opening a check or savings account. There was also XXXX other hard inquiries dated on XX/XX/2024 from Factual Data and XX/XX/2024 from XXXX XXXX. I did not approve of this credit check nor am I familiar with these two companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: Informative Research
State: FL

Complaint narrative:
I am filing a complaint against XXXX hard inquiries shown on my credit report. On XX/XX/year>, I recalled opening a checking account with XXXX XXXX, but I did not apply for any loans with them. However, I see that there is a hard inquiry made from that company on my credit report, which credit unions are not supposed to pull credit/or credit check when opening a check or savings account. There was also two other hard inquiries dated on XX/XX/year> from XXXX XXXX and XX/XX/year> from Informative Research. I did not approve of this credit check nor am I familiar with these two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies. Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Additionally, under 15 U.S. Code 1681i ( 5 ), regarding the treatment of inaccurate or unverifiable information : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Therefore, I request that the following items be removed from my credit report immediately. 

Inaccurate items : KIA FINANCE AMERICA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: NJ

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is preventing me from being employed with the 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 2024-05-29 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2024-05-29 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I had request them to reinvestigate an account on my credit report which has multiple late payments that should not be reporting on my credit report. I ask them multiple times and I didn't get any information back except for them saying this account is accurate and verified without any proof. this account is violating my rights and going against the federal laws. according to FCRA 15 USC 1681 S-2 IT states " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. '' it clearly says that financial institutions shall provide a notice which I didn't receive. another law that they are violating is 15 USC 1666B which states " 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 has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive anything 21 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: OR

Complaint narrative:
I got an alert on my credit XX/XX/year> that an hard inquiry was performed on my credit report. I did not or have not authorized XXXXXXXX XXXX to pull my credit therefore this is an unauthorized inquiry and transunion u are in violation of consumer law 15 usc 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX I moved to a new home after my divorce. Ordered Internet and TV services from XXXX XXXX XXXX. I had a cellphone service with them and was satisfied with this company for the last XXXX years. They suggested to bring my mobile service bill under a XXXX bill ; all services in one convenient bill. Over the months I saw that I was billed twice ; one on mobile bill and the same on my XXXX bill. I went to a physical location and they said they corrected the issue. Unfortunately, the problem persisted. I made phone calls and the problem did not get corrected. Now we are in XXXX of XXXX, and the problem is still not fixed. I called XXXX XXXX XXXX customer service and was connected to a representative named XXXX, from their call center in the XXXX. 
After explaining the situation he said he had corrected the problem and because of my longtime history with XXXX XXXX XXXX he offered me a XXXX for free to compensated for all I had gone through the last 6 months. The only thing I had to do was pay for the shipping, {$32.00}. 
When I received the phone and opened the package I saw that the phone was free if I activated the line associated with this phone. Heavily upset I went to the store and wanted to return the phone. They declined! I called XXXX XXXX XXXX resolutions and gave them all the information and they told me they would follow-up on this issue. 
I never activated the phone, its actually still in in original packaging and being so upset with the misleading and deplorable service I received I closed all my account with them. 
Then a few months after that the collection appeared. I contacted the agencies and explained exactly what I am telling you here. The issue disappeared from my credit report. Now all of a sudden this company IC Systems reported it again as a new charge as of XX/XX/XXXX and reported it again this month. I really would like to resolve this issue but I can not accept the charge of {$620.00} because, it was never disclosed, secondly, I never activated the phone and tried on numerous occasions to return it. 
XXXX XXXX XXXX has misled, provided poor customer service and has been unwilling to fairly resolve the issue at hand. I gave them the opportunity to review the recording of the exchange between myself and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please assist me in resolving this issue. This is from XXXX and not XXXX. This should already be XXXX XXXX XXXX and not 1 year and 10 months. I am asking you to help me resolve this in fair matter. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have card accounts on my credit from when I was incarcerated ITS NOT ME THIS IS FRUAD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: MA

Complaint narrative:
I am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : Collection Information : Account Number : XXXX High Balance : {$560.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed ( XXXX ), Account disputed by consumer ( XXXX ), Account disputed ( Equifax XXXX Creditor Type : Other Collection Agencies Account Status : Open ( XXXX XXXX, Closed ( XXXX and Equifax ) Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements ( XXXX ), XXXX disputed account - reported by subscriber ( XXXX ), Consumer disputes this account information ( Equifax ) Original Creditor : XXXXXXXX XXXX Last Payment : -- Past Due Amount : -- Account Type : -- I believe this account is inaccurate for the following reasons : Verification Issues : The information provided is inconsistent across different credit reporting agencies. For instance, the account status is reported as open on XXXX but closed on XXXX and Equifax. Furthermore, the dispute status is not uniformly updated across all agencies. 

FCRA Violations : The Fair Credit Reporting Act requires that all reported information be accurate and complete. The discrepancies in the account status, dispute status, and dates suggest that this information may not be accurate or complete. 

FDCPA Violations : If the collection agency has failed to verify the debt upon my request or provided inaccurate information, it is in violation of the FDCPA. 

In light of these issues, I am requesting the immediate investigation and removal of this inaccurate collection account from my credit report. Please send me written confirmation of the deletion of this account. 

Additionally, if you find that this account is valid, please provide me with the following information : Documentation validating the debt The name and address of the original creditor The date of the original debt Copies of any contracts or agreements signed by me Please consider this letter a formal request to correct the inaccuracies on my credit report under the Fair Credit Reporting Act and to cease any further reporting of this account until the matter is resolved. 

I appreciate your prompt attention to this matter. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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