vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I sent a letter asking for the requesting the original instrument of indebtedness in its original form, Navient went on to blatantly NOT honor my request and also ignored me all in all. A Non-response is a violation of the FCRA specifically under section Section 611 Part ( A ) ( 1 ) of the FCRA. I intended to sue NAVIENT if these accounts are not removed from my credit report. I've included my 1st letter ; requesting the original instrument of indebtedness in its original form. Also a non-response letter ... In which Navient has NOT responded to either although they've signed for my letter 's as I've sent both through certified mail to ensure the deliveries of my letter 's. It's obvious that Navient is breaking federal laws and I intend to sue and show the courts the wrong doing 's of Navient should these accounts not be removed from my credit report in a timely manner. Navient also did not give the credit bureaus a notice of the dispute which their required to do so according to the FDCPA section FDCPA Section 807 ( 8 ). I've attached everything as I've kept good records of this entire process. 

I'll also include my SSN and Driver 's license to speed up the authentication process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: CA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2022-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX Nelnet received my cease and desist letter pursuant to 15 USC 1692c ( c ) and also received my debt validation request pursuant to 15 USC 1692g. Nelnet has 30 do to provide required documents pursuant with federal law. If documents are not received within the specified timeframe, Nelnet will be in violation of the FCRA and FDCPA and the alleged debt must be deleted and completely removed from my credit file and a copy of such deletion shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. XXXX and Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the accounts on my file. 

( 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 2022-01-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Experian and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the accounts on my file. 

( 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 2022-01-21 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2022-01-21 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: NM

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX Chase notified me that their prior decision on behalf re : my dispute with XXXX to which I still not received a response with an earlier complaint. Chase announces on my statement that XXXX requested. I faxed Chase that I had already overpaid XXXX with a second bank XXXX. Chase disregarded my evidence & sent me an email saying I owed the pmt but not giving a reason. Ive closed my acct at Chase but Im overdrawn at chase and wont be able to pay an extra XXXX. XXXX policy is NOT to allow XXXX  loans if prior funds not paid in full. Ive taken subsequent instacash loans with no problems since I paid {$200.00} on XX/XX/XXXX and {$160.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and Transunion Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( 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 2022-01-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( 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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas XXXX and XXXX are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and LVNV is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
fay Servicing Applied for loan modification in XX/XX/XXXX was approved.in XX/XX/XXXX. The problem is the interest went from 4.5 % to 6.00 % the payment went up from {$580.00} per month to {$950.00} per month. There was a provision from the last modification for XXXX which {$34000.00} that was put into a non-interest bearing account to be paid at the end of the XXXX. This was court order from XXXX when XXXX was doing illegal mortgage practices. 
XXXX added the {$34000.00} to the the current mod with 6.0 % interest. This looks like the investor and them are taking a sub prime loan and making it dome to fail again like in XXXX when housing bubble started just make more money off the loan to send it to foreclosure again for quick turnover. The going rate for a mortgage is 3.95 % for an average credit score between 650-680. We have debit to income ratio and credit score that makes well qualified for a XXXX interest rate. This loan sharking activity is mostly likely happening to others that are coming out of the covid-19 forbearance protection asking for repayment option such as Modifications or Deferment payments which are the main options. Surprised by the new amount due for XXXX goes up from {$700.00} to {$1400.00} for the past 18 months forbearance. I don't know many people that can absorbed that increase at once. Please refer the previous complaints filed by me about the life of this mortgage Loan for the past XXXX. 
Case # XXXX Case # XXXX Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX Citibank Advantage Mastercard canceled my card and issued a new one with out my knowledge. I had to call after my card was declined several times to find out what was going on. Customer service told me that I requested for 1 of my 2 authorized users to be removed and to receive a new card number. I told them that this was incorrect and that neither I nor my authorized users made that request. Because they had already canceled my card and issued a new one, I was unable to use my card until the new one arrived on XX/XX/XXXX along with a letter again saying that it was canceled at my request. I have called to try find out what happened and no information is being provided. I filed a complaint and requested an investigation, but haven't received any updates. Now the new card is being declined. I called today on XX/XX/XXXX and was told that my entire account was closed on XX/XX/XXXX. Again I was not notified and they will not give an explanation for closing an account that I have has for at least 10 years with no issues.

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 2022-01-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed an ftc report with Experian regarding a collection agency I have never made business with Experian deleted it and then reinsert it back without notifying me. I wrote back to Experian with proofs that they had sent me that collection account was deleted and then they put it back on. I received a response to my dispute today XX/XX/2022 with them saying Updated!! What does that even mean they were supposed to remove it they are in violation of my rights as a consumer. Its affecting me to get approved for home so that my kids can have a home its causing me XXXX and XXXX  cause this matter is not being resolved. Experian is ignoring my disputes I will have to take it to litigation since they are violating my rights and I have proofs to prove it!

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas XXXX and TransUnion are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and XXXX is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas Equifax and XXXX are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and XXXX is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX 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 2022-01-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
You keep telling me you need more information. Please tell me how do i give you more information? 

I am trying this once again. The last time you told me that you needed more information so i am resubmitting this with more information. TransUnion has really been playing games with my livelihood and access to live my life comfortably for well over 300 days. I first sent them a letter in XX/XX/2021, and i've sent a letter every 30 days asking them to re-investigate or delte the false information, but they haven't done anything. The law says they must correct their inaccurate reporting, or remove the account entirely from reporting on my behalf. They either ignore me and just send a letter saying " Verified. '' Not once have they actually investigated the accounts, or provided me with how they verified the accounts. No permissible purpose, no evidence, just lies that the accounts are verified. Alot of them are medical collection/records and I got documents from The collection agency XXXX XXXX XXXX ( which i don't know how they got access to my medical records and procedures, but i didn't give them permission either ). XXXX XXXX XXXX records on file PROOVE, that TransUnion didn't follow regulations and they violated my rights as a consumer on both accuracy and privacy. After i let them know their violations they continued to report the inaccuracies for well over 300 days. How is that possible? Even if they had 60 days with the extension, they still are knowingly and willfully violating my rights under the Fair Credit Reporting Act. I hope somebody can help me because as an American i am suffering greatly from TransUnion reporting false information. I've lost job opportunities, missed out of purchasing a home, have been forced to pay high interest rates of 18 % + on a car loan and 30 % + on credit cards just to live life comfortably. It is very stressful when you're a single parent of 4 kids and you have a company that takes advantage of you for so long, essentially taking food from my kids mouths by pushing my credit score so far down that i'm forced to pay high rates for everything. It has been over 300 days what else is there to do? I am beyond frustrated and stressed out with TransUnion. The responded to my dispute on XX/XX/2021 by stating that the items that i am disputing were not on my credit report. However i pulled my credit report on XX/XX/2021 and those items are still there. This is a huge issue either they are lying or there is a mistake in their system. But either way i'm being violated and my consumer rights under the Fair Credit Reporting Act mean NOTHING

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