vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any 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 the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : The inquiry was not authorized XACTUS Date of inquiry : XX/XX/year> The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Late Payment XXXX Account XXXX : XXXX Late Payment XXXX  Account Number : XXXX Late Payment XXXX XXXX Account Number : XXXX Late Payment XXXX Account Number : XXXX Late Payment XXXX Account Number : XXXX Late Payment XXXX  Account Number : XXXX Late Payment XXXX Account Number : XXXX Collection XXXX XXXX XXXX Account Number : XXXX Collection XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Collection XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
The card declines at any amount even though it has not been used and is not expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I requested and was approved for a Private Student Loan Misconduct Application from Navient after previously submitting a CFPB complaint. This was prior to the applications being widely available, when they were sending them out on a case by case basis after determining if a students loans were eligible to apply. 

My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from XXXX XXXX XXXX There have already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as XXXX XXXX XXXX 

They held onto my application for 45 days before denying my application and provided me with the following reason : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. I contacted Navient customer service for clarification per instructions on the denial and the only answer I was given was customer service doesnt know what criteria these loans applications are judged by so ( they ) cant help. 

There is no actual reason for the Denial given. This is another dishonest action from Navient to keep student loan borrowers indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and XXXX XXXX  XXXX tied to these loans. 

There is no reason my application should have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-18 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: FL

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AZ

Complaint narrative:
I had requested the original documents and also my original complaint was not honored. I explained that some of the accounts were affected by COVID-19 which they were debt forgiveness laws in place for such an event. Also they were accounts and inquiries I did not consent to. I looked for a car and I was told it would only be a soft inquiry pull but it was shopped around without my authorization. And all I received was a reply through your company that was obviously an AI generally scripted letter that explained nothing. They continue to operate in the same breaking us code 15-681 stating all consumers have a right to an accurate credit report. Please fix this as I know that the acting credit bureaus are only a 3rd party that does not actually exist. By right, the company has a reputation of being fierce against minority groups. Staining credit reports ultimately resulting in negative profiling and outcomes. Please prove this is not factual to US citizens.

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 2024-09-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had requested the original documents and also my original complaint was not honored. I explained that some of the accounts were affected by COVID-19 which they were debt forgiveness laws in place for such an event. Also they were accounts and inquiries I did not consent to. I looked for a car and I was told it would only be a soft inquiry pull but it was shopped around without my authorization. And all I received was a reply through your company that was obviously an AI generally scripted letter that explained nothing. They continue to operate in the same breaking us code 15-681 stating all consumers have a right to an accurate credit report. Please fix this as I know that the acting credit bureaus are only a 3rd party that does not actually exist. By right, the company has a reputation of being fierce against minority groups. Staining credit reports ultimately resulting in negative profiling and outcomes. Please prove this is not factual to US citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
I am currently enrolled in the XXXX program with XXXX qualifying payments. Today, XX/XX/24, my XXXX credit report dropped XXXX points ( XXXX ). Upon investigation, Mohela, my loan servicer, reported a duplicate loan in the amount of {$54000.00}. My actual balance is {$54000.00} ; the duplication on my credit report has resulted in an increase in balance owed of over {$50000.00}, meaning my balance owed is incorrectly reported as over {$100000.00}, which has grossly negatively effected my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
under the Fair Credit Reporting Act ( FCRA ). According to Section 609 of the FCRA, I am entitled to request the information related to entries on my credit report. 

I am requesting the following information regarding the specified items : Please include copies of any contracts bearing my signature that verify my agreement with Midland Credit. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TN

Complaint narrative:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: OH

Complaint narrative:
I am currently enrolled in the XXXX program with XXXX qualifying payments. Today, XX/XX/year>, my TransUnion credit report dropped XXXX points ( XXXX ). Upon investigation, XXXX, my loan servicer, reported a duplicate loan in the amount of {$54000.00}. My actual balance is {$54000.00} ; the duplication on my credit report has resulted in an increase in balance owed of over {$50000.00}, meaning my balance owed is incorrectly reported as over {$100000.00}, which has grossly negatively effected my credit score.

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 2024-09-18 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: TN

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MO

Complaint narrative:
I have two loans with Navient totaling roughly {$24000.00} I was laid off from my employer of 18 years and have been trying to reach Navient to ask for loan forgiveness. I have paid them for years up until Covid I never received any communication from them regarding assistance being offered. I tried calling the number on their website and it either wrong or has been disconnected. I do not want this impacting my credit as I am trying to rebuild after being laid off. I would appreciate any assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MA

Complaint narrative:
On XX/XX/2024 I received an email from Experian stating " Your account has been updated. You are receiving this notification because your profile information on your Experian account has recently changed. If you did not initiate this change, please contact Experians member support at : XXXX. '' I did not make any changes to my Experian account. 
I tried to login and my login information did not work. I had a completely random password that was not used anywhere else. 
I tried to reset my password and never received the recovery emails or texts. 
My Experian account had been hacked and the email address and phone number on the account were changed by the hacker so I have been unable to recover it. 
Also on XX/XX/2024, I received a text at XXXX EST stating " Experian XXXX XXXX : you'll now receive alerts about your digital checking account. '' I never signed up for a digital checking account. 
I emailed Experian Member support and was told more information was needed. 
I called Experian and after many attempts going through the prompts I finally spoke with someone. They did not speak XXXX very well and were unable to confirm my identity over the phone. They were unable to ask me the questions without stumbling over their words and repeating the questions. The resolution was that I need to mail proof of my identity to a XXXX XXXX XXXX I am not comfortable with this considering they couldn't keep my electronic data safe.

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 2024-09-18 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:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or 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 non-monetary relief
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I am writing to dispute fraudulent accounts on my consumer report. I request an investigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified. Immediately remove these inaccurate account from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a 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 explanation
Consumer complaint received 2024-09-18 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: MO

Complaint narrative:
I applied for a XXXX XXXX in XX/XX/year> and it was approved. In XXXX of XXXX  The Forbearance was complete and I received a FHA partial claim to get back to current on my mortgage. XXXX XXXX is reporting the Foreclosure status on my credit report instead of reporting only the status at the time of my application for the XXXX XXXX as outlined in the XXXX XXXX. 
Mortgage company is reporting the delinquency up to the end of the forbearance up to the payment of the FHA partial claim ( XX/XX/year> ) I have requested a dispute from all XXXX credit bureaus for it to be updated and the disputes came back unresolved and still showing delinquency status after XX/XX/year> when I applied for the Cared Act Covid Forbearance.

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