vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
Dear CFPD, I am writing to express my deep frustration and concern regarding my recent interactions with Navient. I reached out to request the Navient School Misconduct discharge application to get my loans discharged due to attending XXXX XXXX XXXX XXXX XXXX XXXX XXXX This institution, along with other XXXX XXXX XXXX, has been found guilty of misconduct and fraud. 

However, my experience with Navient has been extremely disappointing. I was transferred from representative to representative, with none of them addressing my request adequately. One representative even claimed that the application either does not exist or is in the early phases of being rolled out. This statement is contradictory for two reasons : firstly, they initially claimed the application doesn't exist, and secondly, I am aware of individuals who have already received this application. 

This inconsistency suggests that Navient is selectively distributing the discharge application, which is unfair and potentially unlawful. Withholding or denying access to this application from borrowers who have a legitimate right to it is unacceptable and could be considered a form of misconduct in itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: MD

Complaint narrative:
XXXX AND EXPERIAN REFUSE TO REMOVE THE 2 LATE PAYMENTS FROM MY CREDIT REPORT. 1 FROM XXXX XXXX  AND THE OTHER IS FROM XXXX XXXX. THE REPORTING ON MY CREDIT REPORTS ARE TOTALLY INACCURATE AND THEY REFUSE TO REMOVE THEM. XXXX REMOVED THE 2 LATE PAYMENTS AFTER THEY INVESTIGATED AND FOUND OUT THAT THE REPORTINGS WAS INACCURATE. FAIR DEPT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS and FAIR CREDIT REPORTING ACT 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE- 616 CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE 15 USC 1681n

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 2024-05-21 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: CA

Complaint narrative:
I am a natural person I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15USC 1681 and they have violated my rights numerous times.

I demand the accounts below be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute on XX/XX/2024 to Transunion by mail and followed up with a phone call. I was told that they had no dispute on file. This has been very frustrating as this is not the first time that I submitted a dispute and got this same response. This account is not accurate and needs to be removed off of my credit report as it already has been removed from XXXX and XXXX. Attached is the dispute that I sent in that has not been reviewed or answered. I would like to make sure that all necessary measures are taken according to the FCRA when doing the investigation See attached dispute letter

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 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
See attached, I do not now nor have I ever had a contract, or agreement with midland credit management, nor do they have permissible purpose to obtain my personal credit report, or to use, hold, or supply my trademarked intellectual property. 
VIOLATIONS : 15 USC 1692B ( 5 ), 15 USC 1692C ( B ), 15 USC 1692E ( 8 ), 15 USC 1692C ( A ) ( 1 ), 15 USC 1692B ( 2 ), 15 USC 1692E ( 2 ) ( A ), 15 USC 1692E ( 10 ), 15 USC 1692D ( 2 ), 15 USC 1692A ( 4 ), 15 USC 1692A ( 6 ), 15 USC 1692E ( 11 ), 15 USC 1592C ( A ) ( 3 ), 15 USC 1692E ( 12 ), 15 USC 1692E ( 14 ), 15 USC 1592J ( A ), 15 USC 1692F ( 8 ), 15 USC 1692E ( 5 ), 15 USC 1692F ( 7 ), 15 USC 1692B ( F )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: MD

Complaint narrative:
TRANSUNION AND XXXX REFUSE TO REMOVE THE 2 LATE PAYMENTS FROM MY CREDIT REPORT. XXXX FROM XXXX XXXX  AND THE OTHER IS FROM XXXX XXXX. THE REPORTING ON MY CREDIT REPORTS ARE TOTALLY INACCURATE AND THEY REFUSE TO REMOVE THEM. XXXX REMOVED THE 2 LATE PAYMENTS AFTER THEY INVESTIGATED AND FOUND OUT THAT THE REPORTINGS WAS INACCURATE. FAIR DEPT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS and FAIR CREDIT REPORTING ACT 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE- 616 CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE 15 USC 1681n

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 2024-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I started the transfer of my XXXX XXXX XXXX at UMB to XXXX. On XX/XX/year>, UMB finally closed my account and transferred {$67000.00} to XXXX. With an almost {$68000.00} balance from XX/XX/XXXX to XX/XX/XXXX, it is my understanding that I should have accrued some interest during this 10 day period. 

On XX/XX/year>, I called UMB ( XXXX ) and inquired about my accrued interest. The representative told me that interest payment will only be made at the end of the month. If the account closed before the month ends, no matter how big the balance is, the customer will not receive any interest payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I went to XXXXXXXX XXXX XXXX XXXXXXXX ky I bought a XXXX XXXX XXXX paid {$4800.00} down and traded in XXXX XXXX XXXX XXXX XXXX that I owe {$5000.00} on said payments be {$570.00} a month for 42 months. I did not realize they made me pay {$500.00} extra on XX/XX/XXXX and charge Me XXXX  {$2200.00} I dont know what that is? And charge me {$610.00} for gap insurance said it came with the loan wasnt extra? And Im paying 25.49 % apr interest rate loan was for {$15000.00} the loan company is credit acceptance.

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 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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 implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have identified several inaccuracies in my credit reports which include incorrect personal information, re-aged accounts, and other issues. I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections. 
None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act. Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

XXXX XXXX XXXX XXXX XXXX -remove due to inaccuracy - I never paid late XXXX XXXX XXXX XXXXremove due to inaccuracy - I never paid late XXXX  XXXX XXXX - no notice of dispute- this is a violation The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have identified several inaccuracies in my credit reports which include incorrect personal information, re-aged accounts, and other issues. I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections. 
None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act. Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

XXXX XXXX XXXX XXXX XXXX -remove due to inaccuracy - I never paid late XXXX XXXX XXXX XXXX-remove due to inaccuracy - I never paid late XXXX  XXXX XXXX - no notice of dispute- this is a violation The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
Bridgecrest auto loan is still reporting as a closed account but many months that were past due. During the XXXX XXXX  pandemic, I entered into an agreement per the federal and MA govt that allowed for a payment readjustment during the emergency. Bridgecrest per law agreed to the adjustment. 

Once the pandemic period was over, Bridgecrest re updated all the old late payments. They violated the agreement that we had in place.

I have disputed this with the credit bureaus as well and I am requesting that they delete the record on file per US code 15 USC 1681 I US Fair Credit Reporting Act and US 1681 E and all other applicable codes. 

Please remove from my credit report per XXXX Payment Agreement that you didn't honor

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a nonprofit organization that specializes in assisting individuals who have been impacted by human trafficking I myself the owner have taken multiple courses and certifications to be classified to determine whether someone has been XXXX XXXX XXXX XXXX XXXX, and I have tried multiple times with both XXXX and Equifax with assisting my client and there giving me pushback stating that the documents that we are submitting are not valid, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: CO

Complaint narrative:
I have attempted multiple times to resolve the reporting issues with this CRA, to no avail. I have attached a detailed description of the issues and violations of FCRA, METRO2 & CFR. I demand an investigation and resolution.

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 2024-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PLAID INC.
State: CO

Complaint narrative:
XXXX expired with XXXX XXXXXXXX XXXX  allowed charges when account had low funds. 

Plaid was the intermediary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I looked at my credit report, and I noticed several inaccuracies with one of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need this account updated and deleted from my credit score. 

Account Name : XXXX Account Number : 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 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Attorneys USA LLC
State: MT

Complaint narrative:
Today, XX/XX/year>, I received calls from the number XXXX. The first call was at XXXX, and it went to voicemail with no message left. The second call came at XXXX which I ignored because I did not know the number, and no identifying information came up on the caller ID. The third call came immediately after the other at XXXX and a voicemail was left. The caller stated that they were going to share my personal information and if the recipient of the message was not me they should hang up in XXXX seconds. Without pause, " XXXX '' proceeded to tell me that she was calling to settle my debt on behalf of the Law firm of XXXX XXXX of the XXXX to ascertain whether I had received my legal notice of rights with respect to a delinquent debt that they had recently sent me. I have never received notice from a company of this name, and after reviewing my credit report, I do not have any note of collections under a company by this name. XXXX proceeded to say that if I wanted to settle my debt in a " friendly way, '' I should call them back. If I don't, is it going to get unfriendly? I have had to listen to the voicemail XXXX times just so I can clearly hear the name of the company. At no time during this message did they provide any other identifying factors other than a phone number to contact. When I looked up the company and the phone number, I found nothing truly identifiable other than a possible law firm in California that does not have a matching number and the actual number brings up nothing but other reports of possible spam activity and yet another law firm that doesn't match the name given. This is a highly suspicious incident, and I do not trust calling back to obtain more information because there have been too many scams like this lately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: CO

Complaint narrative:
I have attempted multiple times to resolve the reporting issues with this CRA, to no avail. I have attached a detailed description of the issues and violations of FCRA, METRO2 & CFR. I demand an investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an email from XXXX XXXX about a new XXXX XXXX approval on XX/XX/XXXX that I had not applied for. I had then checked XXXX XXXX email about a Hard inquiry had been made. It was not until I checked my XXXX XXXX account the night of XX/XX/XXXX, that I realized someone had my information and had made 12 hard inquiries for credit card applications. I was unaware of this and did not sign up for any of these new credit cards. XX/XX/XXXX and XX/XX/XXXX, I contacted the XXXX Credit Bureaus and put a freeze to them all as well as fraud alerts. I also contacted all of the inquiries made for those Banks and notified them that it was not me and marked them as fraud. I am afraid whoever this person is had my personal information as well as social security number. Below is a list of Banks for other Credit card applications. 

-Citibank Best Buy -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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received an email from XXXX XXXX about a new XXXX XXXX approval on XX/XX/XXXX that I had not applied for. I had then checked XXXX XXXX email about a Hard inquiry had been made. It was not until I checked my XXXX XXXX  account the night of XX/XX/XXXX, that I realized someone had my information and had made 12 hard inquiries for credit card applications. I was unaware of this and did not sign up for any of these new credit cards. XX/XX/XXXX and XX/XX/XXXX, I contacted the 3 Credit Bureaus and put a freeze to them all as well as fraud alerts. I also contacted all of the inquiries made for those Banks and notified them that it was not me and marked them as fraud. I am afraid whoever this person is had my personal information as well as social security number. Below is a list of Banks for other Credit card applications. 

XXXX XXXX XXXXXXXX -Comenity Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief