vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
Dear XXXX, I am writing to inquire about the status of my Notice of Borrower Defense Discharge Approval for my federal loans. I attended XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which has been found guilty of misconduct and fraud. I understand that the Federal Student Aid ( FSA ) office is supposed to automatically send this notice to borrowers who attended this school. 

My girlfriend and many others, who attended the same institution, has already received her Notice of Borrower Defense Discharge Approval. However, I have not yet received mine. This discrepancy is concerning, as I have not been informed of any issues or delays specific to my case. 

Given the circumstances, I am eager to understand why I have not yet received this important notice and to ensure that my federal loans are being handled appropriately. The delay in receiving this notice has caused significant XXXX and uncertainty regarding my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
My minor child accidentally had a fee on XXXX that she was unaware of. They contacted me by phone and our household by a letter. Both times when I spoke to them, they refused to speak to me even though I told them XXXX was a minor and was under the age of XXXX. They again refused to speak to me stating they could only give information to the child. I did not think that was accurate. I spoke to an attorney who stated in fact it is not legal to do that. She accidentally occurred without my knowledge and my name was not a cosignature. They refused to speak to me and insisted on speaking to the child. When I asked to speak to a manager, they refused to do so. This happened on XXXX separate occasions. I spoke to a third person, and after I told them I spoke to an attorney who stated this was illegal. They said they would then note in the file that she was a minor and would not continue to pursue the debt. When I asked for an email or written letter of this statement to be sure this matter was closed. They refused to give it. They states that they would notice it in her file and I could call in a few days to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-21 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-21 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-21 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:
This is not an error. I am sending my formal notice that fraudulent applications have been done using my name without my knowledge. All this information has been reported to the FTC and is currently under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
I am writing to dispute an item that was previously removed from my credit report but has been reinserted. The item in question is : [ Description of Creditor : XXXX XXXX XXXX Date of Original Dispute:XX/XX/2024 Date of Reinsertion : XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the accuracy and validity of this information. I previously disputed this item on [ Date of Original Dispute ], and it was removed from my report. However, I recently noticed that it has been reinserted without proper notification or verification. 

Please provide me with all documentation that supports the reinsertion of this item, including any communication or information received from the data furnisher. If the item can not be verified, it must be permanently removed from my credit report. 

I am enclosing copies of my previous dispute letter, the CRAs response, and my recent credit report showing the reinserted item for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response within the time frame specified by the FCRA.

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 2024-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I Lived at XXXX XXXX  for more than 7 Year and in XXXX XXXX I decided to buy a House and Gave them a Notice on XXXX XXXX, XXXX this gives them the 20 days notice required, and I moved on XXXX XXXX. 
I went after I move maybe XXXX weeks or month and Asked for my refund and they told me that it is being delt with at the management company ( XXXX XXXX ). 
I got distracted with the House and did not contact them for the refund. 
In XX/XX/XXXX I got a notice that a Collection in in my account, I checked and it says from " GENESIS CREDIT MANAGEMEN Last reported XX/XX/XXXX {$980.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor '' This is a copy from XXXX XXXX. 
I went to the Office of the Apartment and asked about the status of my refund, and they said that they do not have a manager and to contact them by Email and I did on XX/XX/XXXX, but no response from them. 
I never got any communication from them or the collection agency in this regards I did not know about this except from my credit report. 
They have my forwarding address and I have mad a change of address on XXXX, and they have my phone and email, and still they never contacted me. 
Please help to stop this Harassment and poling. I had to put up with a lot of this during my stay and they continued ignore any laws to at least tell me what I owe if I did, and why I did not get my Refund that according the Laws they have to Inform me with 30 days. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

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 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2024-05-21 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:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.

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 2024-05-21 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:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.

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 2024-05-21 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: IL

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I was in the process of buying a car from a car dealer shop called XXXX. XXXX XXXX XXXX. The car dealer spoke to Navy Federal Credit Union twice without my consent on XX/XX/XXXX and XX/XX/XXXX. Navy Federal Credit Union received the VIN number of the car XXXX XXXX XXXX. They did not check the VIN report or check the accurate price of the car value for XXXX dollars. Navy Federal Credit Union released XXXX dollars in to the car dealers account XXXX XXXX that was not a legit company. I did not receive the car or get a refund. Navy Federal Credit Union management department is aware the car was sold to another car dealership that is registered to the VIN report called XXXX XXXX XXXX. XXXX XXXX XXXX confirm the car was sold with the title. Navy Federal Credit Union was denying my disputes of the auto loan for seven months. Navy Federal Credit Union is taking unauthorized fees from my credit card to pay the auto loan. I have two police reports and FBI report. Navy Federal Credit Union refused to call me back for a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-05-21 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:
This is not an error. I am sending my formal notice that fraudulent applications have been done using my name without my knowledge. All this information has been reported to the XXXX XXXXnd is currently under investigation.

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 2024-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I got into in accident on the pouring rain. I paid for my own rental out of pocket and still arguing with the rental place because they are also stating I owe more than what is really owed. I contacted XXXX several times to let them know I got into an accident and it was a total loss. From there I allowed the insurance and XXXX get acquainted so Funds would be dispersed correctly. ever since that day, I have been looking at the payment history and seeing that my payments are being rearranged and also that they are being backdated so I called in several times to see what exactly was the issue and I always get hung up on put on hold and the phone hung up on or a nasty Individual. Comparing what they sent to my credit, my insurance and me none of them match so then I called again and stated my concern and why I owed so much and why they are reporting one thing, but not the right thing I had a repo on my credit from the month, so they fix the closing or my my loan of the total loss it has been XXXX I just want this to be over with!! Also, the gap insurance processed my refund payment to them XXXX which they are now stating is not a payment from me which it is of it was my refund payment so i am now just trying to see why I owe so much if I even owe anything I also see that they changed my payment date again which is and would always be the XXXX of the month I guess so they can receive more money off of me by stating I owe late payments and completely get away from this scamming company Ps today XX/XX/XXXX I received a letter in the mail stating I owed XXXX knowing they is well past incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
equifax is not providing me access to my credit reports and need Equifax to allow me to have access to review my credit reports from their website or any third party websites

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint against Credit Reporting Agencies and Companies for violating my rights under the Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681. Specifically, the agencies and companies has reported outdated and inaccurate information on my credit report without my written consent, which is a clear violation of my federally protected consumer rights. 

Violation of Privacy Rights : Under the FCRA, consumer reporting agencies must ensure the accuracy, fairness, and privacy of consumer information. According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish a consumer report without the consumers written consent unless it is for a permissible purpose as defined by the Act. The outdated information reported on my credit report was furnished without my explicit written consent, violating my right to privacy and the confidentiality of my personal information. 

Violation of Consumer Rights : As stipulated in 15 U.S.C. 1681c, the FCRA imposes strict guidelines on the reporting of obsolete information. Specifically, information that is outdated and beyond the permissible reporting period should not be included in consumer reports. The account in question is old and should not be reported. 

The following entities, including the major credit reporting agenciesExperian, XXXX, and XXXXand the specific companies listed on my credit report, have played roles in the inaccuracies I am disputing : XXXX XXXX XXXX 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: PA

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/year>, regarding the accuracy and completeness of certain information reported about me. As per the Fair Credit Reporting Act ( FCRA ) 611, I requested an investigation into several accounts listed on my credit report. However, I have yet to receive a satisfactory resolution or response to my dispute.

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