vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I went to XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. I submitted a school XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX and received an auto response that my applications was received. 

I called on XX/XX/XXXX and asked that my loans be placed in forbearance until the application and investigation had been completed. Navient 's customer service representative responded that " we can not place your account on hold until they hear from the federal government ''. I asked what the federal government had to do with it as they did not have anything to do with private student loans, and that private student loans were between Sallie Mae ( now Navient and XXXX ). I logged into my Navient portal on XX/XX/XXXX and saw that my private loans had been placed in an administrative forbearance status that expired on XXXX. 

On XX/XX/XXXX - I received an e-mail from Navient stating that my loans will be transferred to XXXX in the next few months. Navient is not taking these School Misconduct applications serious, they are not being transparent, and their customer service representative seem to be confused with the process themselves. These predatory, unlawful student loans need to be discharged under my protection under the Holder-Rule instead of being transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Truist Bank advised that a {$500.00} deposit made on XX/XX/year> : and processed on XX/XX/XXXX; was placed on hold and flagged to the Exceptions Fraud department due to the following reasons. 
The check Pay to the Order line was made out to the Account number of the Business. This alone should not have caused a red flag ... .the payable line wasn't an issue, rather it was cherry picking the account. Truist claims the account was placed on Hold for XXXX business days. Consumer didn't receive an email or notification as to the hold prior to placing numerous phone calls and catching the right department regarding the reason. Consumer contends Truist Bank collected the funds on XX/XX/year> and should have given credit to account as courtesy in the amount of at least {$100.00}. Instead the entire amount was placed on hold through XX/XX/year>. Truist Bank kept the account on a negative balance with a pending positive balance without good reason. If the Mobile Deposit of {$500.00} caused a suspicious response, then Consumer had the right to know whatever the issue was. Truist Bank wasn't forthcoming and placing lengthy holds on account on when the funds are collected should be an infraction of the Deposits Availability policies. Truist Bank customer service department are counter productive and the Bank Branch is also counter productive in resolving issues... .they claim they can't make decisions or funds available unless the system determines the outcome. 
Consumer disagrees with Truist Bank collection of funds as case by case decision given that a pegging order of selected accounts are being scrutinized without recourse. The consumer must bring an account positive by making another deposit that will be absorbed by a negative balance while they hold deposits for lengthy time and decide to release funds ; on their time table making it difficult for Consumers to access funds.

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 2024-07-15 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/year> Credit Karma was showing XXXX XXXX XXXX instead of XXXX XXXX XXXX. 
My XXXX XXXX  showed XXXX XXXX XXXX without XXXX of the marriage being resolved. The XXXX and XXXX agency have fixed the error but the credit agencies have not. 

Evidence ss #, re marriage without motion of default and signed from both parties, XXXX XXXX XXXX XXXX XXXX XXXX stating my legal name to my husband by law

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 2024-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The question asked I could not answer. How is it that the information you have about me is not about me. You guys think the person who is using my info is more e then I am of myself. How is that possible. How can you get something like this so wrong. I would like you guys to call me if you can. This needs to be fixed on your end. None of the information you guys have is from my old address. The person using my info is in North Carolina. I have never sept a foot in that place. My past phone number are not listed. But someone else is. How have you not realized that yet? I really want to take you to court. Im going to talk to my lawyer about this and see if I can do just that. This is not acceptable

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 2024-07-15 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Account # XXXX Knights Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX REPORTING TO CREDIT IS A FORM OF COMMUNICATION. Per the below, remove the report to all credit bureaus for this account within 24 hours.

Per 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except\\

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: MN

Complaint narrative:
This is the same account with XXXX different balances. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts. 
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 explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This credit card debt is past statue limitation in Georgia, I never had any contact with this company, I just heard about this debt in XX/XX/2024 Portofolio Recover ( XXXX XXXXXXXX ) XXXX XXXX {$5800.00} They are suing me in court for an old debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NC

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

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 2024-07-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

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 2024-07-15 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: FL

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 2024-07-15 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: FL

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 2024-07-15 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:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-07-15 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 never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-07-15 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: VA

Complaint narrative:
Hello my name is XXXX XXXX, upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I would also like to remind you of the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name : XXXX XXXX XXXX Account Balance XXXX $ Date Opened XXXX XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX $ Date Opened XXXX XXXX Account Name XXXX XXXX XXXX Account Balance XXXX $ Account Opened XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX Account Opened 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX  Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
A new credit account has been opened on XX/XX/XXXX with SYNCBPPC bank which was not authorized either by me or by any of my family members. The account number starts with XXXX ' and they have already used {$2000.00} from this credit account. I feel that some one accessing my personal details and opened this fraudulent account. Contacted and reported this incident to SYNCBPPB bank executive. Executive name XXXX, ID - XXXX. She told me that she will closed this account and information about this incident will be mailed to my address. This is the 3rd ID theft financial incident that I facing since 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 2024-07-15 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: OH

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. On multiple occasions, I have raised issues concerning disputed accounts and have consistently requested thorough investigations. Despite my persistent efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and are causing significant disruptions in my life. The negative impact of these inaccuracies has led to immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation promptly. 

I kindly request a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: SC

Complaint narrative:
I'm in the process of monitoring/cleaning my credit when on XX/XX/year> Debt Collection Agency XXXX XXXX XXXX placed this debt on third-party credit reporting agencies ( XXXX, Equifax and XXXX ) without first disclosing to me in writing or electronic form, thus violating my Consumer Rights under 15 U.S.C. 6802. 

My first contact with XXXX XXXX XXXXXXXX was via email on XX/XX/year> notifying me of the debt requesting a payment. On XX/XX/year> I replied notifying the above violation requesting them to remove this account from all reporting agencies and issuing a Method of Contact Disclosure. They flagged my account as being disputed but meets FCRA requirements. The account remains on my credit reports negatively affecting my credit worthiness.

Company response to consumer: Closed with explanation