vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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 submitted a school misconduct application for my private student loans for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX noting, the XXXX administration has proven that this school and its parent company engaged in misconduct that led me and thousands of other students to enroll without the proper recourse and under false pretences. The department of education has cancelled all federal student loans for this school and its parent company because of the previously mentioned, proven misconduct. 

When I reached out to Navient about this matter in a separate complaint they stated they were piloting a program that would behave similarly to the process of dismissal for federal student loans that i've worked on in the past for this school. 

I completed a thorough document they mailed to me as well as provided documentation and back up, I took this application as serious of a matter as the XXXX application, provided almost the same exact answers to each question they asked, the federal application was approved months ago but Navient denied mine in XXXX and did not provide a reason for the denial. 

Navient knows this school has been proven to have engaged in misconduct and should dismiss my student loans without the need for me to fill out a very long and complicated document that has no clear indication from Navient as to what the requirements are, how they determine if XXXX is or is not eligible for this dismissal or not. 

It is unfair and unethical of Navient to know that misconduct has been proven for this school but denied my application for dismissal. 

Navient 's document was long, confusing, had very little room to fill out question and in certain places was very misleading. When it came to attaching supporting documentation I attached a lot of relevant and important information such as court cases, articles published by the department of education and images from the school 's website from that time period. 

Navient is not acting in good faith by having denied my school misconduct application and needs to provide a valid reason why they denied it. 

Note, supporting documentation should also not be needed if the very own Department of Education has proven that XXXX XXXX preyed on people trying to better their lives and set them up for failure. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Since about XXXX I have been tasked with the payment of private and federal student loans, I graduated college in XXXX. However, with my private student loans with Navient ( at the time XXXX XXXX ) I have been given little to no help with information or direction towards lowering my student loans, every time I have spoken to someone it's always the same run around with it ending in myself being basically forced to enter a repayment program to one I could not afford otherwise as they ( Navient ) stated they would ruin my credit. I have provided them all my information in regard to employment and salary to help them understand the situation I currently am in and still nothing has been done to help and instead the numerous programs ive entered with automatic payments coming out each month nothing has lowered my principle balance and now I owe more than I started. I owe approximately XXXX in private student loans with Navient and I feel stuck in a rut with them and no way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Hello My name is XXXX XXXX There is a debt collection under I C System for {$1300.00}. This is for a hospital bill at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This was during a car accident which I had a lawyer and XXXX the case. All bill were paid through the lawyer and the insurance given. I was not in charge of any medical bills for any of my visits to the hospital nor XXXX. I also have the break down of the bills and payment distributions from the attorney. 

This bill is for the below attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All communications and billing were handled through this lawyer.

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 2024-06-05 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently, I did an XXXX on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that XXXX XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX  back in XXXX XXXX XXXX and myself negotiated a Deed In Lieu that was signed and documented. Today XXXX XXXX list with XXXX XXXX my account as a Foreclosure or XXXX days late. After many months and failed attempts XXXX XXXX has not produced XXXX document that shows XXXX days late or Foreclosure. I have enclosed from XXXX XXXX XXXX XXXX Deed in XXXX that XXXX could not or would not produce. 

under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( XXXX ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, I did an XXXX on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that XXXX XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX  back in XXXX XXXX XXXXXXXX and myself negotiated a Deed In Lieu that was signed and documented. Today XXXX XXXX list with XXXX XXXX my account as a Foreclosure or XXXX days late. After many months and failed attempts XXXX XXXX has not produced XXXX document that shows XXXX  days late or Foreclosure. I have enclosed from XXXX XXXX XXXX XXXX Deed in XXXX that XXXX could not or would not produce. 

under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( XXXX ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately

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 2024-06-06 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: MA

Complaint narrative:
am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : 1. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor to whom this debt is allegedly owed.

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. This request is specifically for the validation of the amount of the alleged debt as outlined under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Enclosed are copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question. 
Any previous correspondence regarding this matter. 
Please initiate an investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Details of the Account in Question : Creditor Account # Account Type Balance Date Opened Status Last Reported XXXX XXXXXXXX XXXX {$530.00} XX/XX/XXXX XXXX XX/XX/XXXX Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - No. of Months ( terms ) : - High Credit : {$530.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX ( TransUnion and XXXX ), XX/XX/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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IA

Complaint narrative:
XXXX - XXXX XXXX XXXXXX/XX/2019 XXXX XXXX was XXXX  days past due date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I know its legal but is it ethical? 
How does the cfpb allow a credit card company to purposely punish a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like this? I had to retire in XXXX due to my XXXX I still managed to continue to pay ON TIME until I ran out of possibilities in XXXX. They charged my accounts off in XXXX. They are reporting charge off in XXXX that's inaccurate reaging. The worst of it is after they sued. I have no taxable income. The worse part of all of this is I just got turned down for a HELOC. the reason? Recent charge offs. I haven't been late on a single bill for over XXXX  years. I have no recent charge offs and Capital One has already written the expense off to the IRS. This reporting off my charge offs monthly and as new should be illegal. It is false reporting and not accurate. XXXX for example, reported the charge off once in XXXX. its there, but doesn't show as recent, which is accurate. Capital One is purposely damaging my credit, why? To make me suffer more for going thru a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I know its legal but is it ethical? 
How does the cfpb allow a credit card company to purposely punish a XXXX 100 % permanent and totally XXXX veteran like this? I had to retire in 2017 due to my XXXX. I still managed to continue to pay ON TIME until I ran out of possibilities in 2019. They charged my accounts off in 2020. They are reporting charge off in 2021, that's inaccurate reaging. The worst of it is after they sued. I have no taxable income. The worse part of all of this is I just got turned down for a HELOC. the reason? Recent charge offs. I haven't been late on a single bill for over 4 years. I have no recent charge offs and XXXX XXXX has already written the expense off to the IRS. This reporting off my charge offs monthly and as new should be illegal. It is false reporting and not accurate. XXXX for example, reported the charge off once in 2020. its there, but doesn't show as recent, which is accurate. XXXX XXXX is purposely damaging my credit, why? To make me suffer more for going thru a hard time.

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 2024-06-05 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: MD

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DRIVE NOW AUTO CREDIT COMPANY INC
State: IN

Complaint narrative:
To Whom It May Concern : I am writing to address a significant issue regarding the inaccurate reporting of an account associated with Drive Now Auto Credit on my credit report. This account was initially labeled as a Repossession and later amended to a Paid Repossession, which is entirely incorrect and unjustified. 

Firstly, I would like to provide clarity on the circumstances surrounding the acquisition of the vehicle in question. On XX/XX/XXXX, I entered into a transaction with Drive Now Auto Credit to purchase a XXXX XXXX XXXX XXXX, listed online at {$9800.00} with XXXX miles. Despite encountering unprofessional behavior during the transaction process, including disputes among staff regarding commissions, I proceeded with the purchase due to my urgent need for a vehicle. 

Throughout the following XXXX days, I cooperated with the dealership, providing requested documents and information, despite the unexpected increase in the vehicle 's price and the subsequent discovery that the vehicle had previously been wrecked, which was not disclosed beforehand. Despite these setbacks, I took possession of the vehicle, only to be later instructed to return it for the installation of a GPS disabler, under the guise of ensuring payment compliance. 

Ultimately, I returned the vehicle in response to this unreasonable demand, and it was subsequently resold to an acquaintance of the managers daughter without following appropriate procedures. This mishandling of the situation has had severe repercussions on my credit score, impeding my ability to secure financing for another vehicle and resulting in exorbitant interest rates when I finally managed to do so. 

Repeated attempts to dispute this inaccurate reporting have proven futile, and my interactions with Drive Now Auto Credit have yielded no resolution. Attached is a letter from a former manager, albeit with incorrect dates, affirming the unwinding of the loan associated with the vehicle. Despite this documentation, the issue persists, compounding the distress and inconvenience it has caused me. 

I implore you to take immediate action to rectify this situation. The erroneous reporting of a repossession has had profound consequences on my financial standing and quality of life, and it is imperative that this matter be addressed promptly and comprehensively. I seek your assistance in ensuring that this unjust mark on my credit report is removed, and appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this matter. I eagerly await your response and swift resolution to this ongoing ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested. 
I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation