vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: MOHELA
State: FL

Complaint narrative:
Complaint Regarding XXXX  School Misconduct Discharge Application To Whom It May Concern, I am submitting this complaint regarding XXXX  handling of my request for a School Misconduct Discharge Application. I attended XXXXXXXX XXXX XXXX where I was misled through deceptive practices that caused me significant financial harm. 

I contacted XXXX  on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to request the discharge application, but : They refused to provide the application They have not responded to my request within 30 days They denied my application without proper consideration. 
The school I attended has been subject to investigations and lawsuits for misleading students. I have supporting documentation that shows the school : XXXX  lack of assistance in resolving this issue is unacceptable. I am seeking the CFPBs intervention to ensure that my application is processed fairly and that my concerns are addressed in compliance with regulations. 

Here is my information for your records : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX  Account Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Primary Phone : XXXX Email : XXXX Also I have several concerns : 1. Lack of Transparency : I was not adequately informed about the transfer of my loans. As a borrower, I have a right to know about significant changes in loan servicing.

2. Selling of Information : I am concerned that my personal and financial information was shared without my permission.

3. Difficulty in Communication : Transferring loans without clear communication adds unnecessary stress to an already challenging situation. 
I request the following : * An explanation for why my loans were transferred. 
* Details about how my personal information was shared with XXXX. 
* Assurance that my rights as a borrower have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one banking I called to close my account because they put my account on restricted so I could no longer make payments on the card then it kept adding additional late fees to my account I called the company multiple times to tell them it won't let me make payments and it keeps taking my money when I do and not giving it back or adding it to the card I need this account terminated ASAP thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$9100.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$4800.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$48000.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX XXXX XXXX  XX/XX/XXXX - Balance : {$3400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-08 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent Charge Off appearing on my consumer XXXX credit report with a balance of {$1600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX. This account have resulted in several fraudulent hard inquiries in the past, fraudulent collections and fraudulent Charge Off appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections or Charge Off related to this duplicated account as reported. The aforementioned account, collection, and Charge Off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection and Charge Off are the result of Identity Theft and Fraud. I have attached an Affidavit of Truth and also i have attached copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and Charge Off are the result of identity theft and fraud. Please remove and delete this account from my report, they are hurting my ability to obtain credit.

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 2024-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I signed for my ex-husband for his student loan as his credit was not good and he needed me to be the signor. He signed as co-signer. We divorced in XXXX  and it was stipulated in the divorce decree we were each responsible for our own student loans. I went back to Navient and explained this. They asked for the decree which was sent. They responded by saying that since XXXX, my ex-husband, was not given a XXXX in XXXX, he was not responsible. 

I have the contract, he is co-signor, it is his loan for his schooling at XXXX XXXX and he has never made a payment. I have my own student loans to be accountable for and this is his. I can not afford to make his payment with a % XXXX interest and continue to keep up with my payments. This is now affecting my XXXX XXXX, and I want this resolved to my satisfaction. I have followed every course I know to do, the next after filing the complaint is finding legal representation to follow up on. The problem with this is I do not have the funds to for their legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Ive had the card for almost two years and began making late payments about 5 months ago. After the second or third late payment, the credit card company closed the credit card citing ridiculous explanations. When I called to try and have the payments lowered and late fees waived they declined and I continued to make payments on the card anyway. The card is closed and unable for me to make anymore purchases on top of them lowering the limit prior to closing the card ; however, they have the card marked as open on my credit profiles so that they can mark derogatory payment information. 

I just this month went over 30 days late payment for the first time and they marked it as derogatory on my credit. This is fraudulent information because companies are not allowed to mark late payments on closed accounts meanwhile deceptively reporting the card as open.

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 2024-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against SoFi regarding their failure to deposit {$5000.00} into my savings account, which was expected on XX/XX/2024. Despite my numerous attempts to resolve this issue directly with SoFi, there has been no satisfactory resolution, and the funds have not been deposited as promised.

This failure has caused significant financial distress, as I rely on these funds for essential expenses.

Additionally, due to the inability to access these funds, I have incurred further costs, which I believe SoFi should be held responsible for. Specifically, I am requesting compensation for the following : {$100.00} for the inability to remove items from a storage unit {$36.00} for transportation to work {$12.00} for XXXX hour of labor lost due to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I explicitly informed Credit Collection Services XXXX ( CCS ) via text message that I no longer wished to receive communications regarding an alleged debt. This request was made clearly, and I have proof of sending the STOP message.

Despite my clear revocation of consent, CCS has continued to send text messages to my phone. Additionally, I have received multiple calls from CCS and unsolicited physical mail at my home address, further violating my right to request a cessation of communication.

This conduct is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassing behavior and mandates compliance when a consumer requests communications to stop. Furthermore, CCSs actions appear to brea
ch the Telephone Consumer Protection Act ( TCPA ) by continuing to send text messages after consent was revoked. 

The continued harassment has caused me significant stress and inconvenience, as XXXX blatantly disregarded my rights under these federal laws. 

Details of the Company : Business Names used Credit Control Services , Inc . 
XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XX/XX/year> Navient responded to my initial complaint with false information about how to handle this debt. They stated to contact XXXX to discuss settlement or a long term payment option. When I contacted the company they stated they didn't know why Navient suggested that because they can not assist with my loans. This ongoing issue has provided emotional and physical strain on my wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-08 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 pulled my credit report with Transunion and noticed several incorrect things on it. I callled them on XX/XX/year> at XXXX & XXXX XXXX and someone answered and hung up. Phone numbers on my credit report are to be removed/innaccurate ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX should be removed. Also I noticed Promotional Inquiries that should not be on there as I have no dealings with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX # ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX RI XXXX Phone # ( XXXX ) XXXX. Also there were Account Review Inquires that I did not give these persons authority to review/access my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX several times XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX # ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( several dates listed from XXXX on this one ) Consumer Info XXXX XXXX XXXX XXXX XXXX CA XXXX several dates listed on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN ( XXXX ) XXXX Please remove these from my credit report. Remove the inaccurate phone numbers as well as I have already called twice last year stating correct phone numbers. 

Please remove these inquiries from my credit report. Remove the inaccurate phone numbers as well as I have already called twice last year stating correct phone numbers. Please remove XXXX XXXX as my employer as well. I am no longer employed with them. My credit continues to be accessed/hacked and I strongly believe these inquires are due to litigation with them.

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 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
The credit card company made a revolving credit limit in XXXX cards and reduced my credit limit substantially. This action destroyed my credit score. 
XXXX card from XXXX to XXXX. 
XXXX card from XXXX to XXXX. 
XXXX card from XXXX, XXXX to XXXX. 
I have always paid on time. They didn't advise me, just send an email

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 2024-12-08 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: AZ

Complaint narrative:
Dear CFPB, I am writing to dispute a fraudulent account on my credit reports resulting from identity theft. This account was opened without my authorization or consent, and its reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX Account Number : XXXX ( Experian, XXXX ) Under 15 U.S.C . 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting this account without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that this account was created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure this account is removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address this violation promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On all 3 credit reports ( Experian, XXXX, XXXX ) there is unknown address, Names, Date of births. My ONLY Name, Address, and Date of Birth is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> There has been numerous collections placed on my credit report without my knowledge nor have I not been notified of such collection tied to my 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 2024-12-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I never received any documentation from this 3rd party collection agency stating that they have legal rights to report on my credit report, the amount is inaccurate. The collection agency is failing to report the correct balance ( reporting a higher balance than what is owed ) The original creditor is XXXX XXXX and it shows closed on my credit report. I also informed them that by them reporting it is impacting my credit score because it is being reported twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$9100.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$4800.00} Account Name : XXXX XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$48000.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$3400.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation