vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
Pursuant to CFR Title 35, Subtitle B, Chpt VI, Part 682, states as follows : ( 5 ) For Federal Consolidation loans, the period that begins on the date the loan is disbursed and ends no later than 10, 12, 15, 20, 25, or 30 years from that date depending upon the sum of the amount of the Consolidation loan, and the unpaid balance on other student loans, exclusive of any period of deferment or forbearance.

For the two outstanding loans attributed to me, the loans are Loan Type : XXXX XXXX : XXXX Current Owner : NAVIENT XXXX XXXX XXXX Guarantor : XXXX XXXX XXXX XXXX Disbursement Date : XX/XX/XXXX While I made payments throughout deferment and/or forbearance, I went into regular extended standard repayment on XX/XX/XXXX ( understanding repayment would end XXXX ). 

However, on XX/XX/XXXX, I received a " updated payment schedule '' with the following statement : " If you make all remaining payments on time according to this schedule, we estimate that your loans will be paid off in XXXX/XXXX. Your updated payment schedule : Number of Payments XXXX Payment Amount ( $ ) XXXX Due Date XX/XX/XXXX. '' ( See correspondence attached. ) Extending my loans through XXXX results in a total pay period of 36 years from disbursement, exclusive of any periods of deferment. Therefore, it is beyond the 30 years permitted by law. 

I objected to my loan being extended beyond the allowable terms, which resulted in no correction thereof. 

Instead, Navient ignored my legitimate concerns and fraudulently pushed me into an ISR plan I never applied for without consent ( see approval attached ). I reported the identity theft to the FTC ( attached. ) To date, I have never received documents substantiating the alleged XXXX ISR plan and copies of all correspondence despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
This debt was charged off on XX/XX/2019 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.

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 2024-01-02 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Continued on going fraud and identity theft from other entities using email and personal information to set up or change account details notified fraud and phishing departments numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been reaching out to XXXX XXXX for the past 30 days to obtain a charge off letter for my charged off account or a 1099c. Company stated that they can not provide a charge off letter. Ive made im numerous request for a 1099c but still have not received anything. Every time I call to follow up I am told it will be emailed in 48hrs but I still have not received anything after 30 days. Customer service is not sure why and can not allow me to speak to the department that sends out the form they can onky keep creating request. Its been request 3-4 times. Still nothing. This account was charged off years ago. 

I have a recorded phone called ( agreed by both parties ) confirming account charged off. Can send via email if possible.

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 2024-01-02 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:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX XXXX AUTO FIN Auto Financing XX/XX/23 XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX CREDIT/TURN AUTO M Auto Dealers, Used XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX XXXX AUTO FIN Auto Financing XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX CREDIT ACCEPTANCE Auto Financing XX/XX/23 XXXX XXXX XXXX AUTO Auto Dealers, Used XX/XX/23 XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/23 XXXX XXXX XXXX XXXX XXXX Finance XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX CREDIT ACCEPTANCE Auto Financing XX/XX/23 XXXX XXXX CARDS XXXX Bank Credit Cards XX/XX/23 XXXX XXXX XXXX XXXX XXXX, Used XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX TCI/FIRST HELP FINANCI Auto Financing XX/XX/23 XXXX XXXX XXXX XXXX CO Auto Financing XX/XX/23 XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/23 XXXX XXXX XXXX Bank Credit XXXX XX/XX/23 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 2024-01-02 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: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX account information is inconsistent across the credit bureaus. This inconsistency and inaccuracy are harmful to my family and my livelihood as we are trying to purchase a home.

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 2024-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX, XXXX | sent out proof of verification letters to XXXX, XXXX, and Experian, the account in question is " XXXX XXXX XXXX ''. I have not been updated on this process even though I have disputed this account that is not mines. The following tracking numbers for proof of delivery for this letters are : XXXX ( Experian ) 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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt was charged off on XX/XX/2023 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had erroneous electronic transfer made from my Citibank checking account to my vanguard account. My account is overdrawn. I called Citibank to have it reversed There isn't enough money in the account to cover the transfer My account is basically frozen. Citibank says it will take time. I need to pay my bills with actual money in my account. I have called have not gotten any action. They say I t will be corrected There should be some kind red flag on unusual transaction. The account holder should be contacted to verify the transaction before it gets done

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 2024-01-02 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:
The XXXX XXXX XXXX XXXX account information is inconsistent across the credit bureaus. This inconsistency and inaccuracy are harmful to my family and my livelihood as we are trying to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
I took out this loan with the intention to pay it off in less than a year. The amount was for {$1200.00} I knew when I took out the loan the interest rate was 223.99 %, Per the contract the interest accures daily. I have made 12 payments for the total of {$1200.00}. I contacted the company ask them for a payoff and they are still charging me the full amount for 2 years of payment. I ask if they would be will to negotiate a payoff and they kept repeating to me that interest is accurred daily and the payoff will not change. The interest they are charging is more than double than what I borrowed. I misunderstood when I read the contract I thought I would be able to payoff early and reduce that amount of interest that I would be paying back. I also have a debt consolidation company I am working with and they will not talk with them unless they have a power of attorney on hand. I offered to send it to them and they said they would have to get from the company that I am working with. I have tried to work with them. The only thing they would do was stop payments for 30 days. I have fallen behind on bills because they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX  I purchased several XXXX watches from XXXX using my Citi Double Cash Card, but 1 item is missing from the delivery. 

The itemized product i purchased ( order detail page pdf attached ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} Item missing from the delivery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 1 {$350.00} I contacted XXXX on XX/XX/XXXX  and they asked me to dispute it with my credit card company. 

So I disputed the amount for the missing item which is {$350.00} out of the total transaction of {$2800.00}, on XX/XX/, with my Citi Double Cash Card ending XXXX, Dispute Case ID, XXXX; But I got rejected, see attahced " dispute_info.png '' screenshot and " dispute_letter.pdf '' document. 

The on XX/XX/XXXX  i contacted Citi through online chat and was asked to provided the itemized purchased item and missing item lists and sent them to their email ( see " XXXX, XXXX, XXXX '' for the online chat history, and " XXXX '' for the email screenshot i sent to Citi with the itemized order information they required ). 

However, on XX/XX/, got rejected again because of " Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. '' ( see " XXXX '' ) I have done what they asked me to do to provide the detailed order info, but they keep rejecting the dispute with new reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by XXXX. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must 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 non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt was charged off on XX/XX/2023 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.

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 2024-01-02 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-02 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MS

Complaint narrative:
on XX/XX/XXXX I received a writ of garnishment via email from my HR dept for {$880.00} to begin being withheld on XXXX XXXX, XXXX. There was a judgement attached that was received XX/XX/XXXX. I had no idea of this judgement. I immediately responded to my HR dept to find out what this was about. They could not provide me any information. I searched through all my old paperwork that night and came across a credit bureau I pulled on myself back in XXXX and there was no judgement on my credit file. The next day I called the entities listed on the said judgement and the Law office listed could not find an account for me and proceeded to tell me that the paperwork was wrong. The other entity listed I called and was hung up on first, and when I called back I got transferred to XXXX different people and was given another entity name that actually had the said debt. I called that entity and they referred me to the Law office that sent the garnishment. I called them and was given no information. I was told they would send a letter of validation which I would receive in XXXX  days. While waiting on this I decided to go to my local courthouse and get a copy of said judgement. I picked that up and upon going through the paperwork from them I came across another entity name that the debt originated from. I have never had an account with said entity. I have still not received the letter of validation I was suppose to get in 7 days either. I have had a good credit since I filed bankruptcy back in XXXX. I have not had any trouble obtaining credit in the last XXXX years. I have purchased XXXX vehicles and have credit cards as well. In XXXX before the pandemic hit I was approved to purchase a home. My credit score is over XXXX so I have no idea why I have been targeted and my wages garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: CA

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
Representative informed me that my personal information was being used by other people and no solution or help was given.

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 2024-01-02 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
Exeter XXXX account is over XXXX XXXX XXXX and will not come off of XXXX XXXX report. XXXX  tried to dispute it and they refuse to remove it.

Company response to consumer: Closed with explanation