vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
While attending the XXXX XXXX XXXX XXXX XXXX the school set up meetings for the students with a loan advisor with XXXX XXXX. The meetings happened on campus in a school provided meeting room under the guise that the loan advisor was going to help the borrower. Rather than helping me the loan advisor consolidated all of my loans which had a rate of 2.875 % into two new loans at 4.875 %. Some of my loans would also have been forgivable. When I was unable to pay XXXX XXXX they put my loans into forbearance for years and they continued to accumulate interest. I was mislead by XXXX XXXX and would like my loans reverted back to their original status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses.

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses.

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses.

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I noticed ANAUTHORIZED INQUIRIES on my credit report. someone else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 

name of credit bureau : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
Experian-Account number-XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX XXXX ) has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) has it marked late in XX/XX/XXXX, but on XXXX XXXX XXXX  XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX ( XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : XXXX  Late Close : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXXXXXX Balance : XXXX} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
XX/XX/XXXX and the XXXX, I had to dispute unauthorized inquiries that has been on my report for a while. I disputed with Experian asking them how can they furnish inquiries without doing their due-diligence, in addition to that I have a security alert on my consumer report. They just deleted unauthorized inquiries within the last 24-72 hours. That mean Experian admit to having unverified information on my report without doing their investigations. DELETIONS IS ADMISSIONS. They claim they honor the FCRA but the FCRA promotes accuracy.

They are in violation of 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I am entitled as a consumer to compensation pursuant to 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I submitted a fraud claim at the end of XXXX I believe XX/XX/XXXX XXXX} was stolen from my account due to fraud I immediately called SunTrust when I found money was missing and open the claim they said that they would investigate the claim and provide me with a decision about two weeks later they concluded that they found no error. After calling and speaking to multiple representatives one explained that I needed to file a rebuttal form and provide proof which I did last week they finally refunded me my XXXX in the meantime due to not having my {$XXXX} in my account in XXXX through XX/XX/XXXX I incurred XXXX insufficient fun fees charged at the amount of {$XXXX} per fee some of these fees are duplicates from the same merchant multiple times and none of these fees wouldve occurred if Fraud was not allowed on my account or if a temporary credit would have been granted while they did their investigation or if they did their investigation correctly the first time. With all the fees Ive paid the money I had going in and if I had my {$XXXX} I never would have been in a negative state I have reached out to SunTrust now truest multiple times for an hour to two hours at a time each time they keep pointing the finger at a different department and nobody is providing me assistance.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX AND XXXX XXXX XXXX CLAIMS THAT THEY PROPERLY SENT ME NOTICE REQUIRED BY 15 USC 1692g, THIS IS NOT A TRUE STATEMENT FROM THEM, THEY MAY HAVE IN FACT MAILED LETTERS BUT I AM NOT IN RECEIPT OF THEM. I ALSO DID NOT GET ANY ACCOUNT LEVEL DOCUMENTATION. I FOUND OUT ABOUT THESE DEBTS BECAUSE THE ACCOUNTS WAS REPORTED TO MY CREDIT REPORT AND DROPPED MY SCORE VERY LOW DAMAGING CREDIT WORTHINESS. IF THESE ACCOUNTS DID IN FACT SEND A NOTICE, I WOULD LIKE TO SEE THE CERTIFIED MAIL RECEIPT, I REQUIRE PROOF OF MAILING ACCORDING TO THE MAILBOX RULE. I WAS NEVER GIVEN A CHANCE TO DISPUTE THE VALIDITY OF THE DEBT. THESE ACCOUNTS HAVE NOT ACTED IN ACCORDANCE WITH 15 USC 1692g. THESE ACCOUNTS ALSO CLAIM THEY ARE PERMITTED TO REPORT TO MY CREDIT REPORT EVEN AFTER I HAVE SENT OUT A CEASE-AND-DESIST ORDER TO STOP ANY COMMUNICATION. THESE ACCOUNTS ARE NOT CLEAR ON THE DEFINITION WITHIN 15 USC 1692c. I'LL QUOTE IT AGAIN STRAIGHT FROM THE FEDERAL LAW, " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' UNFORTUNATELY, THESE ACCOUNTS BELIEVES THAT COMMUNICATION ONLY CONSISTS OF PHONE CALLS, LETTERS, AND EMAILS. THE LAW IS CLEAR THAT ANY COMMUNICATION ABOUT THE DEBT IS A VIOLATION AFTER THE CEASE-AND-DESIST IS DELIVERED AT THE MAILBOX. FURTHERMORE, BECAUSE THESE ACCOUNTS DID NOT MAKE SURE I RECIEVED THE PROPER NOTICE UNDER 15 USC 1692g THAT IS A VIOLATION AS WELL. MY CEASE-AND-DESIST WAS BASED ON THE FACT THAT THESE ACCOUNTS COMMUNICATED TO THE CREDIT REPORTING AGENCIES, WHICH ARE " persons AN ALLEGED DEBT REGARDING ME. THE COMMUNICATION TO THE CREDIT REPORTING AGENCIES IS AN INDIRECT COMMUNICATION BECAUSE ITS NOT A COMMUNICATION DIRECTLY TO ME. COMMUNICATIONS DIRECTLY TO ME WOULD BE PHONE CALLS, LETTERS, AND EMAILS. COMMUNICATIONS INDIRECTLY TO ME WOULD BE REPORTING TO THE CREDIT REPORTING AGENCIES, CONTACTING MY EMPLOYER, CONTACTING A SPOUSE, CONTACTING ANY PERSON THROUGH ANY MEDIUM. ITS CLEAR WHAT PERFORMANCE XXXX XXXX XXXX IS SUPPOSED TO TAKE AND THEY HAVE CHOSEN TO NEGLECT THAT PERFORMANCE AT THE EXPENSE OF DAMAGING ME IN THE COMMERCE ARENA. XXXX XXXX XXXX SHOULD HAVE THEIR LAW DEPARTMENT REVIEW THIS MATTER AND THE ATTACHED SCREENSHOTS BECAUSE THERE ARE SEVERAL VIOLATIONS.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I completely paid off and closed my FL XXXX XXXX XXXX XXXX account in XXXX. It is showing up a multiple reports with inaccurate representation of the amount owed. Each bureau has a different reporting from this company. Multiple accounts showed that I have paid and closed my account with them. On XX/XX/XXXX, they added inaccurate remarks to this account by putting that I owe {$XXXX}. I have documentation to show proof of inaccurate information. Reporting information that is inaccurate or not reported correctly violates the FCRA. It has led to much personal and mental distress plus financial damage by not removing the account and falsely reporting information. I have contacted this company over 3 times without receiving any type of resolution, verification, or remedy for each of these violations.

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 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Credit Services Inc.

Complaint narrative:
First Credit Services makes fraud with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : XXXX XXXX XXXX Balance : 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 2022-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On or about XX/XX/22, a gentleman by the name of XXXX from Rocket Mortgage ran my credit without my consent. I complained to Rocket Mortgage and a young lady by the name of XXXX XXXX , Phone number XXXX XXXX, responded. She advised by phone that I really do not have to give my permission per se when I was asked about my date of birth and gave the last four of my SS number it was understood I was giving permission. I told XXXX, I wasn't interested in his product and never gave him permission to run my credit. The reason I gave him this information is because he said he wanted to confirm I was who I said I was. XXXX reached out to me on two occasions and on the last, didn't deny any wrong doing or take any credit for any wrong doing. I told her if anyone was to call me from Rocket Mortgage, my first statement would be to tell them, I didn't want my numbers run. I was civil the whole time but very unhappy with Rocket. XXXX, initially, stated she could stop the hard inquiry that XXXX made but was over ridden by sales or management figuring I was an old man and who would know. I have good credit and I am trying hard to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 I had XXXX XXXXXXXX and was in ICU for 9 days and pregnant at XXXX weeks. After my hospital stay and delivery, I notice a late 30 day payment on my capital one credit card account. I sent multiple letter stating to them to DELETE the late payment and stop furnishing that late payment to the credit reporting agencies ( XXXX, XXXX, and XXXX ) they sent me letters that the account was accurate. I explained them that it was not about the accuracy of the account but non consent to report. I further explain that they were violating me under 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS. That states that the experience that I am having with them are not supposed to be reported without my consent. Non consent is identity theft. I am suffering actual damages right now because no lenders want to loan my money, I can not get a mortgage or stable employment.

Company response to consumer: Closed with non-monetary relief