vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sklar Law LLC
State: NJ

Complaint narrative:
I am writing to report a debt collection lawsuit brought against me by a debt collector for a debt that was discharged in bankruptcy XXXX years ago. Despite the debt being discharged, they obtained a default judgment against me. Pursuing collection on a debt that has been discharged in bankruptcy may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit has caused me significant distress, and I have incurred financial costs in responding to the lawsuit, including filing fees and court costs. I was unable to afford a lawyer at the time. 

I was not aware of this debt in particular, and I never acknowledged the debt with the debt collector or received any notice from them, assuming that my XXXX XXXX loans had already been discharged in bankruptcy XXXX years prior. The original defense I presented was that it was well beyond New Jersey 's 6-year statute of limitations to collect on the debt. Later in the case, I was able to find documentation proving that the debt was discharged XXXX years ago in bankruptcy. 

Throughout the case, debt collectors legal representation has continued to file objections, misrepresenting the bankruptcy code concerning which types of student debts are eligible for discharge, despite providing proof that the debt in question had in fact been discharged as it met the criteria for unqualified XXXX XXXX loans that could be discharged in bankruptcy. The legal team misrepresented facts throughout the case to manipulate the outcome in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: MA

Complaint narrative:
This company XXXX XXXX XXXX still furnishering incorrect data to my files. They claim they never received a cease and desist letter from me, and continued to report to my file. I've sent numerous letters to fix this problem and never was fixed. XXXX never sent me any original documation of this alleged debt except a bill statement which is against the law. I've requested for any original contracts or proof and yet still not I received nothing. I never gave any consent to furnish to file, I have no contract with them nor did i have never given them any personal information of mines. XXXX can not report illegal and unauthorize personal information on my credit report. XXXX is under voilation of 15 usc 1692e False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. You can not communicate with any person credit knowingly inserting false information with no proof. Also, under 15 usc 1681i5a treatment of unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. They are violating 15 usc 1681s2, ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors : 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 2024-04-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
This company XXXX XXXX XXXX still furnishering incorrect data to my files. They claim they never received a cease and desist letter from me, and continued to report to my file. I've sent numerous letters to fix this problem and never was fixed. XXXX never sent me any original documation of this alleged debt except a bill statement which is against the law. I've requested for any original contracts or proof and yet still not I received nothing. I never gave any consent to furnish to file, I have no contract with them nor did i have never given them any personal information of mines. XXXX can not report illegal and unauthorize personal information on my credit report. XXXX is under voilation of 15 usc 1692e False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. You can not communicate with any person credit knowingly inserting false information with no proof. Also, under 15 usc 1681i5a treatment of unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. They are violating 15 usc 1681s2, ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors : 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 2024-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
Crown Asset Management LLC, represented by XXXX, XXXX, XXXX XXXX XXXX XXXX has used multiple predatory tactics in the past violating FDCPA laws trying to collect on a debt that is fraud due to my information being compromised. Although Ive reported the identity theft multiple times and my information was found on the dark web, Crown Asset Management makes an overzealous and predatory action to unilaterally file a lawsuit with improper service. I was never served and found out I was being sued due to multiple defense attorney solicitations in my inbox. Crown Asset Management is using predatory tactics to scam me and scam the court system to obtain a fraudulent bank garnishment for an unauthorized debt. Crown Asset Mamagement LLC has in fact stolen my identity and has been scamming me this whole time and is responsible for my information on the dark web which is why they dont stop their predatory collection efforts. This whole process has caused me to suffer emotionally and has taken a toll on my mental health since my information is being tampered with. It has been extremely difficult due to my credit scores being impacted by fraud due to crown asset management LLC stealing my identity which is currently causing me to suffer a great deal of distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Student Loan Solutions, LLC
State: NJ

Complaint narrative:
I am writing to report a debt collection lawsuit brought against me by a debt collector for a debt that was discharged in bankruptcy XXXX years ago. Despite the debt being discharged, they obtained a default judgment against me. Pursuing collection on a debt that has been discharged in bankruptcy may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit has caused me significant distress, and I have incurred financial costs in responding to the lawsuit, including filing fees and court costs. I was unable to afford a lawyer at the time. 

I was not aware of this debt in particular, and I never acknowledged the debt with the debt collector or received any notice from them, assuming that my private student loans had already been discharged in bankruptcy XXXX years prior. The original defense I presented was that it was well beyond New Jersey 's 6-year statute of limitations to collect on the debt. Later in the case, I was able to find documentation proving that the debt was discharged XXXX years ago in bankruptcy. 

Throughout the case, debt collectors legal representation has continued to file objections, misrepresenting the bankruptcy code concerning which types of student debts are eligible for discharge, despite providing proof that the debt in question had in fact been discharged as it met the criteria for unqualified private student loans that could be discharged in bankruptcy. The legal team misrepresented facts throughout the case to manipulate the outcome in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This company XXXX XXXX XXXX still furnishering incorrect data to my files. They claim they never received a cease and desist letter from me, and continued to report to my file. I've sent numerous letters to fix this problem and never was fixed. XXXX never sent me any original documation of this alleged debt except a bill statement which is against the law. I've requested for any original contracts or proof and yet still not I received nothing. I never gave any consent to furnish to file, I have no contract with them nor did i have never given them any personal information of mines. XXXX can not report illegal and unauthorize personal information on my credit report. XXXX is under voilation of 15 usc 1692e False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. You can not communicate with any person credit knowingly inserting false information with no proof. Also, under 15 usc 1681i5a treatment of unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. They are violating 15 usc 1681s2, ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors : 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 explanation
Consumer complaint received 2024-04-21 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: SC

Complaint narrative:
Posted unauthorized inquiries and invalidated debt on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: UT

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-21 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: UT

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Posted unauthorized inquiries and invalidated debt on credit reports

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 2024-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Another issue occurs on XX/XX/XXXX when I agreed to a preliminary agreement, and I call it such because it is missing the defining features of a contract. Missing was the interest rate, amount to be paid every month and the time it is to be paid. There was no required uploading of consent validation or drivers license identity verification, and no provided pre-loan education, as historically this was mandatory. The paperwork used : XXXX XXXX. XXXX Exp. Date XX/XX/XXXX, and its expiration is evident as it refers the borrower to check ( NSLDS.gov ) National Student Loan Data System for contained information about the loan and payoff. This website is not accessible. Furthermore, Nelnet told me that loan AD can take 8 months to consolidate. They failed to mention it can be as soon as 22 days! XX/XX/XXXX, they consolidated the loans. And I come to find out that I would not be eligible for the Presidents forgiveness and a higher interest rate upon consolidation. To sign a new contract that is so disadvantaging to one party, should require proof of further education, before contract is finalized. XX/XX/XXXX I emailed nelnet and XX/XX/XXXX Department of Education, informing them that what occurred XX/XX/XXXX was a serious breach in contract, to say the very least. 
Other issues : Fixed interest rates are treated as variable, loans with the highest interest rates are paid the least, prepayments or payments beyond what is due will stop the loan from getting paid so it yields great capital gain for the servicer. This occurred with my account, despite the Borrowers Rights, stating that Your servicer can provide more information about how prepayments are applied. The servicers know as little as borrowers ; nevertheless, they are omitting and misleading people while representing Nelnet. I have been a XXXX XXXX for XXXX of the XXXX years and would have signed up for the Public Loan Forgiveness Program .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: MI

Complaint narrative:
A small group of us traveled from the XXXX to XXXX De XXXX XXXX. On XXXX late Friday night after midnight XXXX of XXXX of us were pickpocketed. XXXX of his wallet. My license and hotel card, XXXX XXXX credit card and my Comerica debit card was stolen. We found my license and hotel card in the middle of XXXX XXXX near our hotel. ( XXXX at XXXX XXXX XXXX De XXXX ) We determined it was thrown out a car window. I realized that my XXXX XXXX credit card and Comerica card was missing. I immediately check my balance once i went back to the hotel to get XXXX to connect to internet. Because i have XXXX XXXX and needed wifi to get internet connection. Also to make sure i did not leave those cards in my room, deep down i knew i had not left them. When i checked my balance with comerica my balance was negative -- {$1700.00}, although i had at least {$3500.00} in my account. I contacted the automated services and reported stolen card, Then within XXXX minutes used a friends phone and got through to a live representative and explained my situation and what had happened. I could not hear the rep that well as i was now outside on XXXX XXXX. Total case amount is {$5700.00}. After the banks investigation they said that the card had a chip and it had to be in my possession at the time it was used. These transaction were done within XXXX minutes. They are as follows XXXX {$150.00}, XXXX XXXX, XXXX {$490.00}, XXXX {$140.00}, XXXX {$230.00}, XXXX {$11.00}, XXXX {$20.00}, XXXX {$20.00}, XXXX {$290.00}, XXXX {$490.00}, XXXX {$990.00}, XXXX {$1900.00}, XXXX {$290.00}, XXXX {$390.00}, XXXX {$39.00}, XXXX {$7.00}. The company name that was billed was XXXX XXXX XXXX De XXXX XXXX. Comerica Bank said they closed my case and did not help me. I never received a phone call or letter. My account is at a negative {$2900.00}. 
Store location is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX De XXXX. In the favela. A local source advised me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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