vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Since XX/XX/2020, there has been a {$3400.00} charge from the National Credit System that has been on my XXXX report account for a rental property that I did not occupy. I've contacted them multiple times to inform them that this account isn't mine, as well as I had another third party ( credit company ) contact them for paperwork with my name or signature. The time that I was given where I was supposed to be living at this rental, I was undergoing military training where I was provided with housing and had no access to any electronics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in removing the accounts from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: VA

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the inquiry. 
XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans ( Distributed and Repaid amounts Attached in XXXX  ) discharged and my credit repaired. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. 

These private loans with a high risk of default were part of a package deal offered to " for-profit online schools, '' but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance?

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices?

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.

This application is a sham.

Why do we need to prove anything?

Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools.

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO ( Attached ) asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/XXXX I was charged {$210.00} from the merchant XXXX XXXX XXXX XXXXI have never purchased anything from this company, nor have I been to XXXX XXXX, Florida. Once I noticed the charge, I opened a dispute ( XX/XX/XXXX ) with Citi. Before Citi would proceed with the dispute, they asked me to contact the merchant and seek a refund. 

I tried to contact the merchant both by telephone ( ( XXXX ) XXXX ) and email. I never received a response. 

After contacting Citi again, they agreed to open a dispute ( XX/XX/XXXX ). 

I sent over all the information Citi requested, and after several weeks, they resolved my dispute in favor of the merchant ( XX/XX/XXXX ). 

I have never seen a clearer case of fraud. If you XXXX " XXXX XXXX XXXXXXXX XXXX  '' you will inundated with numerous testimonies from other victims of this fraudulent company. 

This is the email I sent to Citi : " Here is the required documentation for the aforementioned dispute. 

I have tried to contact the merchant multiple times. I have yet to get a response. 

A quick XXXX search clearly shows that XXXX is a scam company. It is impossible to contact them. All reviews of the " company '' are simply other people complaining about their credit card information being stolen. '' I'm not sure what else I can do. Hence, why I am opening this case with the CFPB.

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 2024-05-06 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: GA

Complaint narrative:
Account XXXX XXXX XXXX Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. So, what is it that you have to verify if you didn't contact them, you don't have anything that I've signed and no one has any proof? Please remove these accounts for failure to verify : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED The original creditor are reporting these accounts as full paid proof will be attached XXXX XXXX XXXX IS THE ORIGINAL CREDITOR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: American Financial Network Inc.
State: WA

Complaint narrative:
The mortgage company place me in a foreclosure states due to no payment. I called to see what was going on in XX/XX/XXXX and I learned they had place my payments that they automatically withdraw each month into a different account. We called thought we fixed it and yet XX/XX/XXXX we are dealing with the same issue. We dont hear anything until we are told we are in foreclosure and we pay every month the full amount. This is stressful. Im now contacting a layer because every time we talk to someone with this mortgage company its something different or that its fixed or they cant do what they are doing. Oh they told me in XX/XX/XXXX that they over charged me due to my military statice for my interest and that I was owed XXXX XXXX They said they would send us a check never gotten that. We have called to ask about it and were told they will send it. Sit till no check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
After reviewing my credit report, I was taken aback by the numerous errors in reporting that I encountered. It was truly unbelievable to witness such inaccuracies. 

I urge you to investigate and examine the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

It is imperative that you rectify these inaccuracies promptly. Otherwise, I fear that my applications for various services may be denied due to these discrepancies. I have already faced rejections from two sources. 

Please do not disregard my plea for assistance. I urgently require your intervention to ensure that the aforementioned accounts are accurately reported as being in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: AL

Complaint narrative:
XXXX are violating my rights under the Fair Credit Reporting Act. intentionally, Under 15USC 1681 and 1681s-2 I am entitled to 100 % accurate credit report. I have disputed this account for the last five months. under the fair credit reporting act anything that is in accurate and complete unverifiable or incorrect Hass to be removed. Its already been five months and you are still reporting in accurate information. The date of last activity is an accurate the status is in accurate.

I want them to remove it immediately or I will pursue legal obligations, which consist of a fine of {$1000.00} per violation. Ive been dealing with this for the last five months, please remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: AL

Complaint narrative:
XXXX are violating my rights under the Fair Credit Reporting Act. intentionally, Under 15USC 1681 and 1681s-2 I am entitled to 100 % accurate credit report. I have disputed this account for the last five months. under the fair credit reporting act anything that is in accurate and complete unverifiable or incorrect Hass to be removed. Its already been five months and you are still reporting in accurate information. The date of last activity is an accurate the status is in accurate.

I want them to remove it immediately or I will pursue legal obligations, which consist of a fine of {$1000.00} per violation. Ive been dealing with this for the last five months, please remove 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. So, what is it that you have to verify if you didn't contact them, you don't have anything that I've signed and no one has any proof? Please remove these accounts for failure to verify : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED The original creditor are reporting these accounts as full paid proof will be attached XXXX XXXX XXXX IS THE ORIGINAL CREDITOR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
Account XXXX XXXX XXXX Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. So, what is it that you have to verify if you didn't contact them, you don't have anything that I've signed and no one has any proof? Please remove these accounts for failure to verify : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED The original creditor are reporting these accounts as full paid proof will be attached XXXX XXXX XXXX IS THE ORIGINAL CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NC

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: NC

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC, XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief