vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I attended the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX for an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  couldnt finish due to no financial aid remaining ). Recruitment tactics included misleading job placement rates. When finishing my associates portion of the degree, the career services offered applying to retail stores as a career. The only job I could get out of school was a XXXX XXXX  that didnt require a degree, of which many graduates worked at. 

I have been making semi consistent payments on my loans for $ XXXX a month for almost 10 years, and now I owe almost double what I borrowed. Ive come close to defaulting at least 3 times, and have had to return to a state school to get a degree in a totally unrelated field in order to afford my loan payments. 

the XXXX  has since been sued for fraud, shut down and parent company has closed. Navient settled to discharge loans of students in my exact circumstances but had defaulted- and I am stuck now with {$72000.00} in private loans from an associates with an unfinished XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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:
The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, emphasizes the importance of consumer reporting agencies acting with fairness, impartiality, and respect for individuals ' privacy rights. Both XXXX and XXXX fall under the category of consumer reporting agencies, and as a consumer, I am concerned about the protection of my private information, which is supported by 15 USC 6801.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies may only disclose consumer reports with the written consent of the individual concerned. However, neither the financial institutions nor the consumer reporting agencies have my consent to share this information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to third parties without offering consumers the option to opt out of such disclosures. However, I was never informed of my right to exercise this option by the financial institutions. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, XXXX, Transunion and XXXX are reporting adverse items without my consent, which is against the law. 

According to 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific purposes. However, XXXX, Transunion and XXXX are not maintaining reasonable procedures in this regard. 

Additionally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. Therefore, I am formally opting out of the reporting services provided by XXXX, Transunion and 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 2024-04-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, emphasizes the importance of consumer reporting agencies acting with fairness, impartiality, and respect for individuals ' privacy rights. Both Equifax and XXXX fall under the category of consumer reporting agencies, and as a consumer, I am concerned about the protection of my private information, which is supported by 15 USC 6801.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies may only disclose consumer reports with the written consent of the individual concerned. However, neither the financial institutions nor the consumer reporting agencies have my consent to share this information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to third parties without offering consumers the option to opt out of such disclosures. However, I was never informed of my right to exercise this option by the financial institutions. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, Equifax, XXXX and XXXX are reporting adverse items without my consent, which is against the law. 

According to 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific purposes. However, Equifax, XXXX and XXXX are not maintaining reasonable procedures in this regard. 

Additionally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. Therefore, I am formally opting out of the reporting services provided by Equifax, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I have went to their sites on numerous occasions I have not been able to get a credit report from either companies and the information that they are providing has Lord my credit score significantly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I have went to their sites on numerous occasions I have not been able to get a credit report from either companies and the information that they are providing has Lord my credit score significantly

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCI Acquisition Inc.
State: FL

Complaint narrative:
To whom it may concern : Attached the information Ive identified on my credit report that needs to be deleted from your records immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXXeported : XXXX. XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report 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 2024-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: TN

Complaint narrative:
Paid {$1000.00} in XX/XX/year>, paid {$570.00} with credit card in XX/XX/year> paid {$140.00} on XX/XX/year>, and paid {$570.00} on XX/XX/year> and a 30 day late was put on my credit report for {$140.00}. Supervisor from XXXX  said as a courtesy they will not charge me a late fee or penalize me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
These inquiry have no bearing on my financial operations, so I decline them. I'm demanding that they take immediate action to get off my credit report.

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 2024-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I can not access any of my Ally accounts. I am repeatedly prompted to agree to various terms and conditions after logging in which ends in an error. Ally has been aware of the issue for many months. I am told over and over that my issue is going to be escalated to technical support with no timeframe on resolution. Multiple times now, Ally has stated that they determined I can access my accounts which is not true. Ally fails to communicate whenever it makes these false determinations leaving me waiting for a resolution that no one is working on. I have had no way of managing my accounts for over 6 months now. Ally keeps closing CFPB complaints without any resolution. I have no evidence to suggest that anyone is actually working to solve my issue. Ally 's lack of progress, communication, or concern is bordering on intentional malice.

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 2024-04-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
i have some inquiries on my credit report that don't belong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I sent a certified letter to Experian requesting to validate the reported bankruptcy. I also contacted the bankruptcy court and received a written response that they do not report to the credit bureaus, this letter was also sent to Experian. Experian continues to ignore my request and the bankruptcy must be removed, having the inaccuracy report is negatively affecting my life and a direct violation of federal laws.

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 2024-04-11 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: GA

Complaint narrative:
The account open date is according to TransUnion is XX/XX/2019. The date that is considered the open date has been inconsistently reported. On XXXX, the opening date is XX/XX/2019. If the information is coming from the original creditor, the opening date should be the same. We can not say these are 100 % accurate so it is deemed INACCURATE. This inaccurate information falsely manipulates the credit worthiness, and it is hurting my ability to obtain credit. XXXX failed to investigate this account properly after I repeatedly asked to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX, Account number XXXX. I have attached a copy of my credit report and highlighted the inconsistent and inaccurate information.

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 2024-04-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
While checking my credit profile I saw I had some inquiries that didn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have a repayment plan based on my income with Aidvantage, Official Servicer of Federal Student Aid. I pay {$25.00} per month but my balance is not going down. The total monthly amount of this plan is {$25.00} a month, based on my income. I just spoke to a customer service representative who told me the amount of {$25.00} is strictly going to interest and IF I want to pay down the principle I have to pay more. The repayment plan I was approved for doesn't pay anything towards the principle. So if I keep paying this amount each month, I will be paying for it the rest of my natural life. What a rip off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
These questions have nothing to do with me and were not asked with my consent. I would like their removal to be immediately updated on my credit report.

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 2024-04-11 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: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
My credit report indicates a new account from a company called " portfolio recovery '' at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA. I was not contacted by either writing or other means. The company has not initiated any contact with me. I am disputing this account/collection simply because I do not recognize this account nor do I have any previous knowledge of it. I am demanding the collection agency to provide me with proof and validation that this debt is mine. I am asking to supply Portfolio Recovery to supply information to validate. If Portfolio Recovery can not validate this debt, than this account needs to be removed immediately.This collection appears to be in violation of the 15 USC Code 1681B, Permissible Purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/year> : I followed up writing " Hello, I wanted to inquire on the details why I was denied for Navient AG Multi-State Settlement, where I qualified for every criteria of being discharged.

I also fell into a period of time where I did not meet payments XXXX  months straight and fell into bankruptcy at one point. I just want to get a detailed clarification as to why. Thank you '' Their response was merely I was not qualified. There have been many recent CFPB complaints very similar to mine in regards to this predatory loan servicer. There have been many people who have been sent applications inquiring about a school misconduct discharge for private student loans, and I would like to be included in this as the school I've attended ( XXXX XXXXXXXX XXXX XXXXXXXX ) fall exactly within the perimeters of discharge. Thank you kindly for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-04-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Self Financial Inc.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation