vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended the XXXX XXXX of XXXX from XXXX to XXXX. I was an older student coming from a very humble family with no high school or college education. 

I was in a dead end job, just making ends meet, not being able to make rent or pay for my car. I decided to enroll at the XXXX XXXX to better my life and future after listening to their sales pitch. I do admit I did not know anything about school loans, federal vs Private, interest rates. I was told that my job prospects would be worth it. After attending a couple years, my significant other educated me on school loans, etc and I saw that my private/federal loans were in the tens of thousands already. I decided to stop the financial bleed and attend a state school. My federal loans were forgiven as part of the XXXX vs XXXX XXXX, but my private loans are still active. These private loans with over XXXX  % interest ballooned up to {$97000.00} at their peak. Originally the principal was {$30000.00}. Once I started paying on them in XXXX, after I finally finished college through a state school, the payment was over {$1600.00} between both loans, with the private loans being {$1200.00} of this amount. After paying them for a year and not making a dent, I refinanced the loans through XXXX as we were very close to filing for bankruptcy. During this time our credit card debt ballooned up to tens of thousands of dollars as we have being paying the refinanced loans for the last XXXX years. I hate myself for not being well educated as to the financial burden I locked my future family into for attending the XXXX XXXX and falling for their fraudulent tactics. I was not the only student to fall for this. The XXXX XXXX administration recently forgave {$6.00} XXXX in school loans for former XXXX XXXX XXXX. This is only for federal loans though. The XXXX Department of Education found that the XXXX XXXX made " pervasive and substantial '' misrepresentations to prospective students about post-graduation employment rates, salaries and career services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NJ

Complaint narrative:
I called the XXXX  to remove an address that was being incorrectly reported. I informed them that I have never lived there, it is a non mailable address and that they were violating my right to privacy pursuant to 15 USC 1681b. They informed me that they would not be removing the address at all. I informed them again that they were violating my consumer rights in totality by reporting my information without my consent. They basically assured me that they did not care and will keep reporting the 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 explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I called the XXXX to remove an address that was being incorrectly reported. I informed them that I have never lived there, it is a non mailable address and that they were violating my right to privacy pursuant to 15 USC 1681b. They informed me that they would not be removing the address at all. I informed them again that they were violating my consumer rights in totality by reporting my information without my consent. They basically assured me that they did not care and will keep reporting the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: WA

Complaint narrative:
I was looking over my credit reports and noticed MANY erroneous information. Please See attached Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: WA

Complaint narrative:
I was looking over my credit reports and noticed MANY erroneous information. Please See attached Identity Theft 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 2024-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, It has been over XXXX  days and I haven't received any investigation result

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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 request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-23 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: FL

Complaint narrative:
According to FCRA 605B, I believe we need to remove any incorrect accounts from my credit report. Could you verify the documents? Some listed accounts have inaccuracies in reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
I think FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the accounts listed have errors in reporting, amounts, and dates.

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 2024-05-23 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: FL

Complaint narrative:
Please eliminate these inquiries. I have no information about them, and the company acted without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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've made sure to always pay this account on time, never letting payments be overdue. I'm unsure why there are late payment remarks reported on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : 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 explanation
Consumer complaint received 2024-05-23 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Under my knowledge after checking my credit report and doing further research I request further investigation under my knowledge a charge off can not have a balance being that the company has filed a 1099-c meaning the debt has been paid .Please DELETE this inaccurate.information form 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 2024-05-23 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-23 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-23 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: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
This creditor has been found to engage in abusive, deceptive, and unfair practices prohibited by the FDCPA. According to 15 USC 1666b, the failure to receive a statement 21 days before a late payment constitutes a billing error. Additionally, under 15 USC 1605 ( a ), if a finance charge is included, late payments should not occur since the finance charge encompasses all charges. Therefore, penalizing for a payment already fulfilled in full would be unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents 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 explanation
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly XXXX. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. Please delete the accounts below : 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 explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 
Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information.

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting late. It was never late

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting late. It was never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: PA

Complaint narrative:
XXXX XXXX is reporting late. It was never late

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-05-23 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: NC

Complaint narrative:
Accounts XXXX XXXX financial XX/XX/XXXX {$1100.00} First point coll reso XX/XX/XXXX {$690.00} Trans union XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX CAPITAL XXXX VIA XXXX XX/XX/XXXX ( Finance ) NCC/KEFFER XXXX XXXX XXXX Auto ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX POWERSPORT ( Retailer ) XX/XX/XXXX XXXX XXXX MOT ( Retailer ) XX/XX/XXXX XXXX inquiries GLOBAL LENDING XXXX XX/XX/XXXX TRULIANT FEDERAL CRE XX/XX/XXXX TRUIST DEALER XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX CAP XXXX VIA XXXX XXXX, XXXX XXXX XXXX OF XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX POWERSPORTS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023

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