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 — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I'm filing a complaint against Navient with the CFPB with the intent to receive a School Misconduct Discharge Application ( SMDA ). I am confident that I should qualify for the SMDA pilot as I attended the XXXX XXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX - XX/XX/XXXX and was pressured into getting additional private loans by the recruiting staff at the school to be able to attend. The government just announced a XXXX XXXX dollar discharge for XXXX students who attend the XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX due to widespread fraud including, but not limited to, dishonest recruitment practices, false reporting for job placement, using non-related job data as placement statistics, false reporting on income to expect after graduation, and aggressive recruitment tactics. I am a part of this most recent wave of discharges by the Department of Education, which comes after pressure from the XXXX XXXX XXXXXXXX case and I assume a significant volume of new Borrower 's Defense to Repayment ( BDTR ) applications.. 

Additionally, Navient has been found to have pushed former students toward forbearance rather than income based payments plans or deferment, which consequently caused them to add to their principal and, ultimately, the interest that they would have to pay. I experienced this myself several times between XXXX ( before the loans were separated from Sallie Mae ) and XXXX when my in-school deferment ran, including multiple times that I had to speak with representatives and make payments in XXXX, XXXX, XXXX, and XXXX. 

I took out XXXX private loans with a cosigner, the first with an original principal of XXXX taken out on XX/XX/XXXX with a current balance of XXXX at 12 % interest and a payoff date of XXXX/XXXX/XXXX, and the second with an original principal of XXXX taken out on XX/XX/XXXX with a current balance of XXXX at 16 % interest with a payoff date of XXXX/XXXX/XXXX. To date I have paid a total of XXXX on these loans since XX/XX/XXXX and XXXX has been paid since XXXX of XXXX, which is significantly more than the original principal.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was a student at XXXX University, a school which knowingly defrauded students/borrowers. I have a private loan through Navient in regards to this school, and it was taken out due to XXXX giving false statements about increased job opportunities, better placement, and better hiring rates. I've paid this loan for years, even with an exorbitant interest rate of XXXX  %. I am not in default, nor have I ever been. It would seem fair that this loan be forgiven - I only have about {$400.00} left in payments.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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:
I was in the process of checking my credit report and noticed XXXX accounts under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize these accounts to be opened and did not even know it existed now it is impacting my credit beacuse someone fraudulently opened these accounts under my name without me knowing. The accounts in question are : XXXX XXXX XX/XX/XXXX, XXXX ACCT # XXXX {$2700.00} XXXX XXXX XX/XX/2020 ACCT # XXXX {$1800.00} XXXX XXXX  XX/XX/2020 ACCT # XXXX {$260.00} I have filed an FTC report for all three accounts that were fraudulently opened under my name and have attached it to this report as well

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
recently I looked a copy of my credict report and noticed several inaccuracies on my account this account os hurting my ability to obtain credict. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX account ( Account Name & Number as shown on you 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 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: WY

Complaint narrative:
I deposited a XXXX check from an FTC settlement through an ATM which now has my account overdrawn so I can't access anything city bank wont say anything about the account to us bank if the funds are their so the hold is not able to be removed this is costing me work hrs and more as I needed this money to buy parts for my vehicle they ran me around for 4 hrs this am telling me call this call that all to be led back by to the branch manager who says they can't get citi bank to verify funds for a gov. Check deposited im going to have to get a new bank take losses all because banks can't seem to verify if money is in an account with another bank XXXX XXXX XXXX and us bank XXXX XXXX XXXX XXXX they are a failing branch and this is why I have deposited XXXX other checks from the same settlement. I will have this published I will contact the XXXX have it published as the bank said the back offices put the hold but their is no way to contact them to rectify this so everyone needs to know this.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Formal Complaint Regarding Credit Reporting Inaccuracies Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding inaccuracies present on my credit report. Despite multiple attempts to rectify the situation directly with Experian, the errors persist, prompting me to seek assistance from your agency. 

On XX/XX/2022, I discovered several discrepancies on my credit report provided by Experian. These inaccuracies include incorrect variations of my name, such as " XXXX XXXX, '' " XXXX XXXX, '' " XXXX XXXX, '' and " XXXX XXXX XXXX. '' Additionally, there are erroneous addresses associated with my profile, namely : XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX My correct name is " XXXX XXXX XXXX XXXX and the only accurate address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have provided Experian with appropriate documentation, including identification materials, to support these corrections. However, Experian has failed to update my credit report accordingly. 

Continuing to report these inaccuracies not only damages my creditworthiness but also violates the Fair Credit Reporting Act. Despite my explicit requests, Experian has failed to address these issues in a timely manner. 

Furthermore, I do not consent to e-Oscar or any automated means of verification. I expect Experian to manually verify and correct the inaccuracies as mandated by law. 

I am seeking your intervention to ensure that Experian complies with its obligations under the Fair Credit Reporting Act and promptly rectifies the errors on my credit report. Additionally, I request that Experian provide me with an updated credit report once the necessary corrections have been made. 

Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report. 

Sincerely, 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 2024-05-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I called CCS collection to see what the debt was about and they didnt have none of my correct information. Address, phone number, signature that I put on contract with them I wanted proof that they had the chain of title to collect the debt. They asked for my XXXX XXXX. I didnt give it to them. I asked the guy to delete the collection and he said not possible. They have XXXX XXXX as my address that was never my address. I live in XXXX not in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
I do not recall the dates as it has been a while. My complaint is their practices for collections. I have not received anything in writing, only threatening emails to my work email. Stating they will contact my employer to have them garnish my wages, send a Sheriff to my home. I called once and they were rude, threatening and not able to have a decent conversation without belittling me and continuing their threats. I have the most recent email sent to verify how their communication has affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: VA

Complaint narrative:
I started the loan modification process in XXXX XXXX XXXX. I have signed notarized and returned all paperwork. each time paperwork was received by loan care. They stated there was an issue. my mortgage payments resumed in XX/XX/XXXX under the new guidelines of the modification. since then I have signed and notarized papers dated for XX/XX/XXXX, a total of approximately XXXX XXXX XXXX times now. I have gone months without communication from them, and when I reach out to them, they still state that they are missing something. This last time they received paperwork from their vendor notary dated XX/XX/XXXX. Upon calling XX/XX/XXXX, they still have not processed this paperwork that is dated from XX/XX/XXXX. No one in the company knows why this paperwork has not been processed and I am still paying my mortgage under these guidelines this whole time. I have escalated this to their underwriting team, mitigation leadership team supervisors amongst others. I have been told by the leadership team that I can report them get a lawyer and constantly be working on this. This is XXXX months since this process has started with resolved. I have to call to make payments each month because I am locked out of the online system because of this issue

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-05-03 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: WI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief