vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Do you need help with your credit? Let me know.

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 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Improper Forbearance Steering, Missing Loan History, and Financial Harm Dear CFPB, I am submitting this complaint regarding improper and deceptive loan servicing practices by Navient and now XXXX, which have caused ongoing financial harm. After Navient transitioned my loans to XXXX, my complete loan servicing history has been lost, and I am unable to verify critical details regarding payments, forbearance periods, and accrued interest. 

Issue Overview : While Navient serviced my loans, I frequently contacted them for assistance during financial hardship. Rather than offering XXXX XXXX ( XXXX ) plans, which would have been a more appropriate solution, Navient steered XXXX into forbearance repeatedly. This practice increased my loan balance significantly due to capitalized interest and prolonged my repayment timeline unnecessarily. 
After Navient transferred my loans to XXXX, my detailed servicing history disappeared, leaving me with no way to confirm the accuracy of my loan balances or repayment status. 
XXXX has continued to offer forbearance as a default solution without properly guiding me toward XXXX plans or forgiveness options. 
XXXX XXXX : XXXX XXXX XXXX : I no longer have access to my servicing records under Navient, including payment details, forbearance periods, and accrued interest, making it impossible to verify the legitimacy of my loan balance. 
Inaccurate Credit Reporting : Despite being in forbearance, Navient reported XXXX late payments, which remain on my credit report and continue to harm my credit score. 
Ballooning Loan Balances : Due to repeated forbearance periods under Navient, my loans accrued significant interest that was capitalized, unnecessarily increasing my total debt. 


Context and Legal Precedent : These issues are consistent with the deceptive practices outlined in XXXX {$1.00} XXXX multi-state settlement in 2022, which confirmed that borrowers were frequently steered into forbearance instead of XXXX plans. The transition of loans to XXXX has compounded the harm by erasing loan history and perpetuating poor servicing practices. 

I respectfully request the CFPBs assistance in resolving this matter promptly, as the financial and credit damage caused by these practices continues to affect my life. 

Thank you for your time and attention. I can be reached at [ Your Phone Number ] or [ Your Email Address ] for any further questions or clarifications. 

Supporting Evidence ( Attached ) : Recent credit report showing inaccurate late payment entries. 
Correspondence with XXXX regarding ongoing forbearance offers. 
Documentation of financial hardship during the forbearance periods. 
Sincerely, XXXX XXXX XXXX Attachments : Credit Report Screenshots Correspondence from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Sent a validation of debt letter to company in XXXX and never received anything back. Resending the letter via certified mail as the company is not a company I have ever worked with or have and business with and the company is currently trying to sue me in small claims court. I have no business with this company, no documents that have been signed with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
My credit report has been negatively impacted by unapproved hard pulls. Under 15 USC 16c-2, I request their immediate removal.

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 2024-12-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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

Please remove the following item ( s ) from my report, immediately : Account : XXXX XXXX XXXX XXXX {$1100.00} -This account is being reported inaccurately, please remove this from my credit report 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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

Please remove the following item ( s ) from my report, immediately : Account : I.C.System | # XXXX {$1100.00} -This account is being reported inaccurately, please remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: OH

Complaint narrative:
Unapproved hard inquiries have appeared on my credit report, causing harm to my score. In compliance with 15 USC 16c-2, I request their removal.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect information getting exposed through several companies, including Equifax , XXXX XXXX XXXX, just the name of you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am filing a formal complaint against Chex Systems , Inc. for including fraudulent accounts in my consumer report. These accounts were opened without my knowledge or authorization, as I am a victim of identity theft. Despite filing an identity theft report with the Federal Trade Commission ( FTC ), these inaccuracies remain unresolved on my report, causing severe disruptions to my financial stability.

The fraudulent accounts listed on my ChexSystems report are as follows : XXXX XXXX XXXX XXXX. 

- Reason : Non-Sufficient Funds ( NSF ) Activity - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Routing Number : XXXX XXXX. XXXX XXXX XXXX - Reason : Account Abuse ; Non-Sufficient Funds ( NSF ) Activity - Reported Name : XXXX XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Routing Number : XXXX XXXX. XXXX XXXX XXXX  - Reason : Overdrafts - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Routing Number : XXXX These fraudulent accounts have hindered my ability to open new bank accounts and conduct essential financial transactions. I provided ChexSystems with the necessary documentation, including a copy of my FTC report, drivers license, and proof of residence, to verify my identity and dispute these accounts.

Despite my efforts, ChexSystems has failed to take corrective action. This negligence is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate or fraudulent information from consumer 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 explanation
Consumer complaint received 2024-12-19 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-19 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: IL

Complaint narrative:
I noticed unapproved hard pulls on my credit report that hurt my credit. Per 15 USC 16c-2, I request their correction.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Violation of 15 USC 1681i B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I was never notified of reinsertion of deleted item. This is a clear violation of fraudulent item. 
Account : 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 2024-12-19 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank kept mailing me letters, yet we're not providing an actual reasoning for the credit card denial. Found a phone number online and the multiple Citi representatives I spoke to said I was denied because they could not verify my phone number, not because of credit.

I filed a CFPB for this matter, Citi 's response disclosed documents with my information on it, yet addressed someone by a completely different name. They also stated I can apply again and have my credit take another hit. This is a scam, they do this to multiple consumers and do not disclose the process they require consumers to jump through before applying then automatically deny them. Perhaps they're getting a kick back by forcing consumers to have multiple credit pulls done to obtain a card through their services.

Citi now not only claims they can not verify my information, yet sent me a response with all my information on it, they addressed my documents it to someone with a completely different name. Who knows if they even reviewed this issue or just use a template to reply. I now need to lock all my information because Citi could have sent it to someone else named " XXXX ''. 

If this isn't consumer fraud, I don't know what is.

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my credit report, I noticed several accounts I did not approve. Please ensure these fraudulent accounts are immediately removed and blocked.

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 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
I received a letter dated XX/XX/year> from MOHELA in which they stated that interest on my loans would continue to accrue despite the litigation forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
On XX/XX/scrub> 2024 someone somewhere gained access to my debit card info and started wiping my account clean. They loaded an XXXX XXXX account and i definitely don't have any XXXX  accounts or products. I tried filing a claim but the bank wont cooperate with me. They put a restriction on my account for 4 days now and holding my money hostage. I got stuck on the road last night because I couldn't purchase gas

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Affidavit Of Dispute To Experian please be advised that i am filing herein this my affidavit of dispute and making reference to the previous complaints that i have file on you as pleadings and facts to be joined in this affidavit.

I request that the aforementioned accounts be investigated and removed from credit report.

Thank you for your attention to this matter. 
Sincerely 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
These are unauthorized inquiries that I did not approve of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report contains accounts that I did not open or approve, likely due to fraud. Please take steps to eliminate these fraudulent entries.

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