vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Navient mistakenly reported a 1099-C for loan forgiveness on me in XXXX  and I was the cosigner on my son 's loan, not a co-borrower. They also sent one to my son who has since paid the taxes on the forgiveness. A cosigner is not viewed as a debtor according to Treasury Regulation 1.6050P-1 ( 7 ). This double reporting results in increased tax write-offs for them and the IRS gets to unknowingly double dip and collect from two individuals. This practice seems to be common as XXXX XXXX did the same thing and I will complete a separate complaint on them. This is fraudulent and most likely is now standard practice for these loan companies. The amount of loan forgiveness reported was {$8300.00}. I have contacted Navient several times by phone and talked to several individuals. Their records are disorganized as some of this loan information was in my son 's file and some in my file as I have a personal student loan with them. Each time I call I have to go through the whole scenario again. Once they understand the situation they always say another department or supervisor would have to help. After four months of dealing with this, I have sent a letter requesting a redacted 1099-C for XXXX  to be sent to the IRS. I feel the runaround I have been receiving is purposeful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX, XXXX, Account name XXXX XXXX XXXX, XXXX : Account name : XXXX XXXX XXXX, XXXX has violated my rights. 
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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
n accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Sir/Madam, I am writing to inform you that I, XXXX XXXX XXXX XXXX only use this name and no other name. I want to clarify that I am not the owner of any debts associated with other names. 

As per 15 U.S. Code 1679c - Disclosures, I am entitled to know the information contained in my credit report. I request that you verify that my credit report only reflects the debts and accounts associated with my legal name, XXXX XXXX XXXX, and that no other names are included. 

I appreciate your assistance in ensuring the accuracy of my credit report. If you have any questions or require further information, please do not hesitate to contact me. 

Thank you for your time and attention. 

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 non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to inform you that I, XXXX XXXX XXXX XXXX only use this name and no other name. I want to clarify that I am not the owner of any debts associated with other names. 

As per 15 U.S. Code 1679c - Disclosures, I am entitled to know the information contained in my credit report. I request that you verify that my credit report only reflects the debts and accounts associated with my legal name, XXXX XXXX XXXX, and that no other names are included. 

I appreciate your assistance in ensuring the accuracy of my credit report. If you have any questions or require further information, please do not hesitate to contact me. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In accordance with the Federal Credit Reporting Act this creditor, Macys/CBNA has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX account is reporting past due to the consumer reporting agencies but per 15 U.S. Code 1666b ( a ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

and per 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) : If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
XXXX XXXX XXXX XXXX failed to mail me a periodic statement and failed to notify me in writing of the furnishment of negative information to my home address that is located on my credit reports and on the billing statements provided. The statements provided are also from the month of XX/XX/2022 ; indicating my home address was the same.

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 2023-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
On XX/XX/XXXX, I signed for a student loan with Iowa Student Loan. In the document I signed, it states my interest rate will be the Cost of Funds IV Index + 4.10 %. It also states if a third party buys the loan they can charge 90 % of the 3 month Libor. ( See attachment ) On XX/XX/XXXX, I received an amendment from Iowa Student Loan ( which I do not have a signed copy ). This changed my interest rate calculation to 3 Month Libor + 4.20 %. 

I am not sure when the loan was changed to Aspire Servicing Center. 

In XXXX of XXXX, I realized I was being charged even more interest than agreed to. I was being charged 3 Month Libor + 1.3 % + 4.2 %. I called on XX/XX/XXXX and spoke with a representative for 1 hour and 11 minutes trying to find out why they were charging me an additional 1.3 %. I asked to see the original Cost of Funds Index IV to compare. 

On XX/XX/XXXX, Aspire Servicing sent me a letter that they state I received. The letter ( attached ) says they are changing my interest calculation to 3 Month Libor + 1.3 % + 4.2 %. However, upon reviewing this letter in XXXX of XXXX, I see that this change, unlike the previous change, was not an amendment that could be mutually agreed upon. They did not send the Cost of Funds IV Index. 

On XX/XX/XXXX, I called Aspire again trying to find out the original interest rate calculation and why it changed. That was a 23 minute call with XXXX. She was going to send me a letter with more information. 

On XX/XX/XXXX, I called Aspire again and asked the same questions. I was told they would send another letter. 

On XX/XX/XXXX, I called Aspire again to inquire about the information I was to receive. They said they would send the letter that I should have received earlier in the month. I received that letter ( attached ) a few days later. It states they did not need an addendum to change my interest rate calculation. They will not be providing me the Cost of Funds IV Index as the changes were not optional. 

I then contacted their student loan advocate department to try to understand how they can just add on an additional 1.3 % to my loans without my consent, as we had a binding agreement. I was sent another letter dated XX/XX/XXXX stating all the same information they had said before. 

My question is how can a loan provider arbitrarily change the terms of the agreement. I can not go to a bank and just tell them I am paying less interest because I say so, that is not how a contract works.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: IL

Complaint narrative:
I applied for a credit card that I was said to have outstanding approval odds for through discover it, upon applying for the card I was denied for " insufficient credit history '', I attempted to inquire about how much credit history would be needed and they refused to answer, I am a young male, and I feel like this was an excuse to deny me for my age as I have XXXX other cards that all had no issues with my credit age and even a mortgage that didn't have any issues with credit age, yet they do, but can not tell me how much I would need. Discover needs to stop this discriminatory business practice and evaluate credit applications fairly, I have 100 % on time payments on 3 credit cards, a mortgage, a fully paid off personal loan, and a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AmeriHome Mortgage Company, LLC
State: IN

Complaint narrative:
XXXX I had XXXX and was severely affected by it. I was off work and unable to submit my XX/XX/22 mortgage on time. I called and was told I would be covered under the XXXX XXXX XXXX for 3 months. Late payments will not be reported. Late payment was still reported for XX/XX/22. Ive spent over 6 months trying to get it resolved but they are doing nothing about it. The negative credit reporting has affected my credit and I will like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter out on XX/XX/2023 to Experian, XXXX and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, 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:
Please note, this is not a duplicate complaint. I'm not using a third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report and included in this matter. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquiries 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

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
To whom it may concern : ALLY FINANCIAL is willfully and knowingly violating my rights. I have not consented to my personal information being shared. This corporation has shared my non- public information and reported my credit worthiness. They submitted multiple late payments and reported a delinquent account on my consumer report to XXXX XXXX XXXX XXXX XXXX I did not receive my 3 disclosures that allows me to OPT-OUT. On XX/XX/2023, I contacted this Corporation and was transferred to a line that prompted me to answer 3 questions. After I answered NO to every question, the corporation still dishonored my request. I submitted a letter to the corporate address and have not received a response to my request. I am not belligerent. I just don't want to jeopardize my ability to purchase a home for my family. I am in the process of moving and this is really a form of defamation of character. I demand this be removed.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, Experian showing XXXX XXXX as delinquent. I have already tried asking them to remove as I have received the car title for this account. It has lowered my credit score drastically and asked them to remove it however not done yet. Privacy act of XXXX. I have submitted another dispute and waiting to see what the results are but need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for their failure to remove all negative accounts from my credit report. Despite my repeated attempts to dispute the installment accounts that have been reporting as late and closed, Transunion has failed to conduct a proper investigation and remove these items from my report. Moreover, they have failed to respond within 30 days of my previous disputes. 

What's more, Transunion previously removed these installment loans from my account, only to report them back on. This type of behavior is illegal, as stated under the Fair Credit Reporting Act ( FCRA ), which prohibits credit reporting agencies from reinserting previously deleted information into a consumer 's credit report without notice and a reasonable time to respond. 

Transunion 's actions have caused me significant financial harm and stress. I am requesting that Transunion immediately remove all negative accounts from my credit report, as well as provide me with an updated credit report free of charge. Additionally, I urge the CFPB to take action against Transunion for their non-compliance with FCRA regulations and their negligent behavior towards consumers. 

Thank you for your time and consideration in this matter. 

Sincerely, 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
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. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 

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