vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
So on XX/XX/XXXX a collection of the amount of {$5200.00} was placed for collection on my credit report. It was a rental/leasing the last payment that was made was XX/XX/XXXX meaning who ever took this account out was living there in XXXX under my name, in XXXX I was about XXXX how can a XXXX XXXX XXXX live in a apartment IN THEIR NAME. Ive tried to dispute this off my credit it has been deleted off of 2 of my burials just not XXXX. Im born XX/XX/XXXX meaning this is identity theft I wasnt XXXX at the time of XXXX XXXX XXXX XXXX being opened in my name. XX/XX/XXXX I turned XXXX, Im now XXXX trying to get my own apartment and this is stopping me from doing so. Its not fair because it was not me and Im a victim of someone stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attended XXXX XXXX XXXX XXXX and XXXX in XXXX from XXXX. They changed their name to XXXX XXXX shortly after. I have a private loan that has an accrued an interest of {$7300.00} when the loan was for {$4000.00}. My mother also took out private loans for my schooling currently totaling {$14000.00}. 

Navient originated predatory subprime private loans to students attending for-profit schools and colleges with low graduation rates even though it knew that a very HIGH percentage of such borrowers would be unable to repay the loans. Navient made these risky subprime loans as " an inducement to get schools to use Navient as a preferred lender '' for highly profitable federal and private loans without regard for borrowers and their families, many of whom were young, like myself, and ensnared in debts they could never repay. 

Navient had a multi-state settlement a few years back where they gave private loan debt relief to borrowers who had XXXX consecutive months of delinquent payments prior to XX/XX/2021. What a SLAP in the face for the people who literally struggle month to month to pay these XXXX loans!!! I can't get approved for a home. I can't get a car loan unless I pay outrageously high interest rates. If I'm even a couple days late, Navient is already calling and emailing every chance they get. I'm afraid of Navient calling my job or garnishing my wages which is why I try to be on time with payment but as a single mother of XXXX who's on public aid, it gets very difficult. 

After this settlement, Navient got out of the federal loan business due to scrutiny from lawmakers and borrower advocates and Navient had to pay restitution to the federal student loan borrowers for not informing students if XXXX XXXX XXXX student could have enrolled in but instead steered towards forbearance. 
Navient has been sued at least half a dozen times for other predatory loan practices and illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Date : XXXX XXXXSent Mail & called regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness. Violation of : Fair Credit Reporting Act, Privacy act of 1974,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My mortgage was reassessed and my payment changed by {$40.00}. I sent the payment and like normal and the mortgage payment was considered late by the mortgage company and marked on my credit as a late/missed payment. I immediately sent the corrected amount and never missed a payment. Now my credit is being negatively affected over {$40.00} and I am unable to apply for another mortgage because of this.

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I realized my debit card had been compromised ( since BMO took over Bank of the West ). Over {$500.00} worth of charges were on the card that I had not done. ( I used the card to pay bills, XXXX, XXXX ) but there were over {$500.00} worth of FRAUDULANT CHARGES THAT WERE NOT MINE. I reported it XX/XX/XXXX. I received a reply from BMO on XX/XX/XXXX listing the XXXX AND XXXX CHARGES that were being investigated. Progressing through XXXX, they credited my account randomly for charges not mine at XXXX, XXXX, etc. for a little over {$150.00}. THEY HAVE REFUSED TO REFUND MY {$330.00} FOR XXXX  CHARGES I DID NOT DO. ( I am XXXX XXXX XXXX XXXX XXXX  and if I want an order from XXXX 's, XXXX, XXXX XXXX, and others ... I get in my car and drive there. Most are less than 5 minutes away! Nothing has ever been delivered to my address where I have lived for almost 45 years. I do not do XXXX OR XXXX XXXX! ). I have called them over XXXX times and talked to XXXX different people ( a couple were very rude and a few of them did nothing but say " I am sorry ''. ) I have written their " FRAUD DEPARTMENT '' ( XXXX ) over 10 times begging them to call me and explain. Yesterday I finally had a supervisor named XXXX call me and said she had investigated and they were supposed to call me... ( when? '' no one knows when? ). She referred to " duplicate '' charges ... but none of these charges I am referring to our duplicates ... and they are ones that BMO actually listed on the letter they sent me XX/XX/XXXX. I just want my {$330.00} put back in my account... so I can pay off my credit card and leave this bank. ( Charges were attempted numerous times after this debit card was closed or there was no money in the account, so it didn't go through ). During this entire time, I was dealing with the loss of my husband, getting his accounts settled, court, etc. and was not getting paper statements to know what was happening. Losing my mind, I just kept putting money into the account and not asking for an accounting. This is a terrible way to treat XXXX XXXX TERRIBLE.

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 monetary relief
Consumer complaint received 2024-03-22 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit acceptance repossed my car in XXXX I paid all repos fees & car payments to get my car back when I went to get my car back I reported damages that was made to the vehicle nobody reached out however they have charged me XXXX for XXXX XXXX XXXX mind you I cant pay no mor than XXXX a month bt they insisted that I had to pay double now they are trying to repo my car again I really need help they are robbing my poor behind blind please help

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION IS PROVIDING RENT SPREE AND OTHER AGENCIES WITH INVALID EVICTION INFORMATION. 

THEY ARE STATING THAT I HAVE AN EVICTION RELATED JUDGEMENT AND I HAVE NEVER BEEN EVICTED! THEY HAVE A CAR LOAN JUDGEMENT WITH XXXX XXXX XXXX THAT HAVE BEEN PREVIOUSLY DISCHARGED IN MY BANKRUPTCY LISTED AS AN EVICTION! 

YOU CAN NOT LIST A CAR JUDGEMENT AS AN EVICTION! THATS WRONG.

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 2024-03-22 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: NY

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2024-03-22 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: PA

Complaint narrative:
XXXX XXXX XX/XX/2024 Incorrect this was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: PA

Complaint narrative:
XXXX XXXX XX/XX/2024 Incorrect this was paid

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 2024-03-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I hope this letter finds you well. I am writing to follow up with my previous complaint that is still open XXXX and bring to your attention a concerning matter regarding my credit report and the recent unauthorized hard inquiry made by XXXX without my explicit consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX on my credit report as having late payments. I have never been late on this account and I have continually disputed this account and Experian fails to verify accuracy of this account.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-22 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: PA

Complaint narrative:
XXXX XXXX XXXX This account is in clear violation of federal law. i have no obligation to pay a debt collector and amount that is alleged until proven otherwise. but they have committed identity theft because i never gave them authorization to give away any of my information. This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately

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 2024-03-22 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: PA

Complaint narrative:
XXXX XXXX XXXX This account is in clear violation of federal law. i have no obligation to pay a debt collector and amount that is alleged until proven otherwise. but they have committed identity theft because i never gave them authorization to give away any of my information. This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately

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 2024-03-22 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: OH

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-22 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: MD

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 explanation
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX/XXXX/XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.

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