vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I attended the XXXX XXXXXXXX XXXX XXXX : XXXX and was regularly lied to and persuaded to take loans out to continue my education at the XXXX. They regularly made pervasive and widespread substantial misrepresentations on my potential career opportunities my education, job placements, and future costs of education. I was told on multiple occasions that if I refused to sign the loan agreement forms, I would be removed from student housing and no longer welcome at the school. I was often told to stop into the office to sign paperwork for the next semester without being told that I was signing loan agreement forms. Many of these loans had variable interest rates not provided to me and were split into smaller individual loans to hide the total costs. I still have both Federal and Private loans from the XXXX XXXX. The Federal loans are being discharged because of Borrower Defense. 

I attended the XXXX XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX The Private Loans - Currently handled by Navient Loan 1 - Original Principal - {$23000.00} -- Current Balance = XXXX $ ( XXXX in interest alone ) Loan XXXX - Original Principal - {$22000.00} -- Current Balance = XXXX $ ( Interest payed {$40000.00} ) Loan XXXX - Still in Repayment - Original Principal - {$15000.00} -- Current Balance = {$25000.00} ( Total Accrued Interest {$23000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
The companies listed inquiries on my report that I did not authorize please remove these unauthorized inquiries. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The companies listed inquiries on my report that I did not authorize please remove these unauthorized inquiries. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I'VE CHECKED MY CREDIT REPORT - THERE IS A COLLECTION THAT APPEARED RECENTLY FROM A COMPANY CALLED DIVERSIFIED ADJUSTMENT SERVICE ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. I WAS CURIOUS TO KNOW WHO THE COMPANY IS AND WHERE IT IS REGISTERED SO I CHECKED NMLS CONSUMER ACCESS. DIVERSIFIED ADJUSTMENT SERVICE IS NOT REGISTERED TO COLLECT SUCH DEBT FROM THE STATE OF NEW JERSEY WHICH IS WHERE I CURRENTLY LIVE. THEIR COLLECTION OF DEBT IS INACCURATE AND VERY MUCH FALSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
XX/XX/year> RE : Dispute of Collection Account Dear Sir or Madam, I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : Exeter Fin Account Number : XXXX This collection account is inaccurate because the collection agency, Exeter Fin has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.

Due to these violations, I request that you investigate this matter and remove the inaccurate collection account from my credit report. 

Please inform me of the results of your investigation within 15 days of this letter 's receipt. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had issues with two merchants which I got charged for item I didnt receive correctly and I have submitted the documents to show them the merchant denied me refund, however the bank hasnt helped me get my funds back and didnt help me resolve it Dispute XXXX Dispute XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Address - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: AZ

Complaint narrative:
Dear Credit Bureaus : Here in writing to bring to your attention the rights of consumers regarding identity theft, both internationally and domestically. As per the Fair Credit Reporting Act ( FCRA ) 605B, consumers have the right to request the blocking of any information in their file that resulted from alleged identity theft. This request must be honored ASAP. Furthermore, it is imperative that upon receiving such a request, you promptly notify the furnisher of the information about the potential identity theft, the filing of an identity theft report, the requested block, and the effective dates of the block. While you have the authority to decline or rescind a block under certain circumstances, consumers must be promptly notified if their request is denied or revoked. It's essential to uphold these consumer rights.

All dates, amounts and actions taken can be found in the FTC documents unloaded to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear Credit Bureaus : Here in writing to bring to your attention the rights of consumers regarding identity theft, both internationally and domestically. As per the Fair Credit Reporting Act ( FCRA ) 605B, consumers have the right to request the blocking of any information in their file that resulted from alleged identity theft. This request must be honored ASAP. Furthermore, it is imperative that upon receiving such a request, you promptly notify the furnisher of the information about the potential identity theft, the filing of an identity theft report, the requested block, and the effective dates of the block. While you have the authority to decline or rescind a block under certain circumstances, consumers must be promptly notified if their request is denied or revoked. It's essential to uphold these consumer rights.

All dates, amounts and actions taken can be found in the FTC documents unloaded to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: CA

Complaint narrative:
recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX  XXXX XXXX. Account number : XXXX. XXXX : XXXX XXXX XXXX. Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : XXXX. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. XXXXThe date on which you contacted the individual information furnishers. XXXXThe method of communication used to verify the 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 2024-05-03 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: IL

Complaint narrative:
A collection account is reporting open and with a past due balance and late payment. Per the us law a collection account can not be reporting as open or with a past due balance. When I attempt to dispute this with usc codes etc all trans union does is right back its verified to be my account. They are not addressing the inaccurate reporting or changing it as they should by law I ALSO SPIKE TO TRANSUNION WHO STATED ALL THEY DO IS CALL THE COMPNY ON THE REPORT AND ASK IF THEY HAVE AN ACCOUNT WITH MY NAME THAT IS ALLTHE VERIFICATION THEY DO. I HAVEREQUESTED ALL VALIDATION FROMTH3COLLECTION COMPANY ANDTHEY NEVER SENT IT TO ME EITHER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
On XX/XX/year> security credit services llc filed a lawsuit in court violating our binding arbitration agreement causing me unnecessary stress and in violation of My rights to a fair remedy by trying to bypass the arbitration clause they are being unethical and in violation of the fair debt collection practices act I believe I have ground to sue them under these circumstances and will look in to it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Evident Capital LLC
State: LA

Complaint narrative:
I received a letter from Liberty First Lending advertising rates as low as 5.99 % APR, with a disclosure that the range is from 5.99 % -29.99 %. When I called, I spoke with a representative named XXXX who informed me that there arent any 5.99 % loans, and he hasnt seen that rate in a very long time. In fact, he didnt have anything under 10 %, which is what I was aiming for, so I dont know what their baseline is. Regardless, they are falsely advertising a rate that they dont have available for anyone. For reference, my credit score is excellent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: IN

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 explanation
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Requested for verification and validation into account listed under XXXX XXXX XXXX on my credit report. The credit bureaus never provided a thorough investigation into this specific account and continued to just verify it as " accurate '' without any legal documentation. XXXX XXXX XXXX also could not provide any validation of this alleged debt. The balance on this account is inaccurately reporting across each credit bureau which is in violation of the Fair Credit Reporting Act specifically 1681i as this is inaccurate and false and misleading representations. I have multiple copies of dispute letter requests to each of the credit bureaus which requested investigation into this account. The FCRA requires a 30 day investigation and the removal of items when they can not be verified or are inaccurate. 

XXXX XXXX has removed this inaccurate account and it no longer reflects under my credit report with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: CA

Complaint narrative:
Requested for verification and validation into account listed under XXXX XXXX XXXX on my credit report. The credit bureaus never provided a thorough investigation into this specific account and continued to just verify it as " accurate '' without any legal documentation. XXXX XXXX XXXX also could not provide any validation of this alleged debt. The balance on this account is inaccurately reporting across each credit bureau which is in violation of the Fair Credit Reporting Act specifically 1681i as this is inaccurate and false and misleading representations. I have multiple copies of dispute letter requests to each of the credit bureaus which requested investigation into this account. The FCRA requires a 30 day investigation and the removal of items when they can not be verified or are inaccurate. 

XXXX XXXX has removed this inaccurate account and it no longer reflects under my credit report with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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