vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Request for Refund : NAVIENT STUDENT LOAN # XXXX. 
Violation of US Bankruptcy Court Discharge OrdeXXXX # XXXX. 

In XX/XX/XXXX, XXXX XXXX applied to Sallie Mae for a student loan which was granted. 
XX/XX/XXXX, XXXX XXXX filed for bankruptcy protection in the XXXX XXXX XXXX Ohio [ Petition Number XXXX ]. naming Sallie Mae/ Navient as a creditor with a balance owed in the amount of XXXX XXXX, XXXX XXXX and XXXX ( {$41000.00} ) XXXX XXXX XXXX XXXX. 

XXXX XXXX /Navient was served notice of the bankruptcy proceedings [ as a certified unsecured creditor ]. 

XX/XX/XXXX, the bankruptcy was discharged. 
Bankruptcy Court records indicated that Sallie Mae/Navient received a total distribution of XXXX XXXX XXXX XXXXXXXX ( {$160.00} ) XXXX XXXX XXXX XXXX 

Sallie Mae/Navient continues to bill XXXX XXXX and collect principal and interest through the current date of [ XX/XX/XXXX ] XX/XX/XXXX. 

The Second Circuit Court of Appeals [ New York ] [ Case # XXXX, [ XXXX ] filed XX/XX/XXXX ] upheld U.S. Bankruptcy Judge XXXX XXXX refusal to dismiss the lawsuit against student loan servicer Navient Solution LLC for violating the courts prior order discharging a borrowers loan after bankruptcy. 
The court ordered that Sallie Mae/Navient student loans whose borrowers had filed and received a bankruptcy discharge after XXXX, and who had listed Sallie Mae /Navient as creditors XXXX Loans must be discharged as stated in the bankruptcy order. 

XXXX XXXX filed for bankruptcy protection in XXXX and listed Sallie Mae/Navient as a creditor owning a total of {$41000.00}. 

XX/XX/XXXX, the U.S Bankruptcy Court of XXXX Ohio granted and discharged the petition. 

Although Navient/Sallie Mae received a portion of the distribution from the Trustee, as a final settlement, Navient continues to bill XXXX XXXX for Principal and Interest. 

The 2nd, Circuit [ NY ] stated that in the decision, penned by Circuit Judge XXXX XXXX and joined by Judges XXXX XXXX and XXXX XXXX, the court agreed with the bankruptcy courts finding that the language of the " educational benefit '' provision is an unconventional way to discuss a loan. The court said that if Congress intended to protect all educational loans from discharge, it would not have done so in such stilted terms. 

Therefore, XXXX XXXX is requesting a full refund of the total amount of {$41.00}, XXXX that was owed on XX/XX/XXXX, the time of his bankruptcy discharge. 

A response is required within Twenty ( 20 ) days of this date. 

Respectfully Requested and Submitted. 

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Office ) XXXX ( direct )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: CO

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries EQUIFAX XXXX XXXX I XXXX writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including 15 U.S.C. 1681 ( Fair Credit Reporting Act ), 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act ), 12 CFR 1022 ( Regulation V ), the Privacy Act of 1974, and 16 CFR 313 ( Privacy of Consumer Financial Information ).

**Violations Noted : ** 1. **15 U.S.C. 1681** mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
2. **15 U.S.C. 6802-6805** obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions.

3. **12 CFR 1022 ( Regulation V ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 
4. **The Privacy Act of 1974** protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under **16 CFR 313 and specifically 16 CFR 313.7 ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as guaranteed by federal law. 
I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent. 
- Remove all previous unauthorized inquiries from my credit report. 
- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: OH

Complaint narrative:
Sent a demand letter to company requesting verificaiton and validation of debt that they are reporting as mine., I also submitted a dispute through the credit reporting agencies. The reporting agenices were Transunion, XXXX, XXXX. They were made aware that the debt that was reported was not mine and that I did not open the account, that i did not authorize anyone or party to open hte account. That I did not benefit or will benefit in anyway from the account. I also made them aware that I notified the company / reporter of this debt to send me any and all verifciaiton and validation documentation ( including but not limited to my agreement to the obligation to this debt. They were also made asware that XXXX revceived no repsonse from said companyt. All three credit reporting agencies came back with no change in my report ; however, nothing else was given in regards to verifcaiton and validation documentation. Company will not provide any information showing that this debt belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Sent a demand letter to company requesting verificaiton and validation of debt that they are reporting as mine., I also submitted a dispute through the credit reporting agencies. The reporting agenices were XXXX, Equifax, XXXX. They were made aware that the debt that was reported was not mine and that I did not open the account, that i did not authorize anyone or party to open hte account. That I did not benefit or will benefit in anyway from the account. I also made them aware that I notified the company / reporter of this debt to send me any and all verifciaiton and validation documentation ( including but not limited to my agreement to the obligation to this debt. They were also made asware that XXXX revceived no repsonse from said companyt. All three credit reporting agencies came back with no change in my report ; however, nothing else was given in regards to verifcaiton and validation documentation. Company will not provide any information showing that this debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello! I hope that this message finds you well! I wish to file a formal complaint against American Express due to the fact i've applied for them multiple times and I have gotten denied. I feel like I am being discriminated against based on the fact that I have a XXXX which is a violation of Regulation B. I also feel that American Express is violating the Unfair Deceptive Abusive Acts and Practices act because they aren't giving me any specifics for denial, even on the most basic cards they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: CO

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries XXXX XXXX TRANSUNION I am writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including 15 U.S.C. 1681 ( Fair Credit Reporting Act ), 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act ), 12 CFR 1022 ( Regulation V ), the Privacy Act of 1974, and 16 CFR 313 ( Privacy of Consumer Financial Information ).

**Violations Noted : ** 1. **15 U.S.C. 1681** mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
2. **15 U.S.C. 6802-6805** obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions.

3. **12 CFR 1022 ( Regulation V ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 
4. **The Privacy Act of 1974** protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under **16 CFR 313 and specifically 16 CFR 313.7 ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as guaranteed by federal law. 
I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent. 
- Remove all previous unauthorized inquiries from my credit report. 
- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.

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 2024-04-21 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: CO

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries XXXX EXPERIAN XXXX I am writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including 15 U.S.C. 1681 ( Fair Credit Reporting Act ), 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act ), 12 CFR 1022 ( Regulation V ), the Privacy Act of 1974, and 16 CFR 313 ( Privacy of Consumer Financial Information ).

**Violations Noted : ** 1. **15 U.S.C. 1681** mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
2. **15 U.S.C. 6802-6805** obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions.

3. **12 CFR 1022 ( Regulation V ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 
4. **The Privacy Act of 1974** protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under **16 CFR 313 and specifically 16 CFR 313.7 ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as guaranteed by federal law. 
I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent. 
- Remove all previous unauthorized inquiries from my credit report. 
- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Sent a demand letter to company requesting verificaiton and validation of debt that they are reporting as mine., I also submitted a dispute through the credit reporting agencies. The reporting agenices were XXXX, XXXX, Experian. They were made aware that the debt that was reported was not mine and that I did not open the account, that i did not authorize anyone or party to open hte account. That I did not benefit or will benefit in anyway from the account. I also made them aware that I notified the company / reporter of this debt to send me any and all verifciaiton and validation documentation ( including but not limited to my agreement to the obligation to this debt. They were also made asware that In revceived no repsonse from said companyt. All three credit reporting agencies came back with no change in my report ; however, nothing else was given in regards to verifcaiton and validation documentation. Company will not provide any information showing that this debt belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: MD

Complaint narrative:
Several other people 's information was all combined on to my credit report for years and has ruined my life! I have been able to get loans and apartments so that I can get my life together and on track because of this egregious error that was not flagged and fixed before all the damage was done to my life!! There we're about a dozen different names, there where and still are about a XXXX addresses that are not mine, but now that has been addressed they just switched all the addresses to match mine so now there's about XXXX addresses that are all just the same address on my report instead of removing all of the wrong addresses they just changed the names of the addresses to fit the correct address! There is several loans in hard inquiries that should not have been on my report! That were all on there for years my life has been in shambles because I haven't been able to get anything done because of 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 2024-04-21 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: NE

Complaint narrative:
I did not permit these companies to access my credit report XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX, XXXX According to XXXX XXXX Transunion XXXX, Transunion is supposed to ensure MAXIUM POSSIBLE XXXX. This account violates these laws. 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5. 15 USC 1681XXXX. Delete INQUIRES

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 2024-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I received my statement around the XXXX of the previous month, I mail my payment the same day or one day later, but the address for lender is XXXX XXXX  XXXX XXXX. 
Due to post office delivery time, my payment arrives late causing me to be charged late payment charge. Have asked customer service if they could mail my statement sooner so I did not get charged late fee for receiving payment late, said they have a set time to mail statements out. I think this is a XXXX to get late fees that are not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: WI

Complaint narrative:
They are showing and reporting information about the loan that I didn't give permission or they never sent signed documents showing that it belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I applied for a job at family dollar they did a background check when it came back it states I'm a registered XXXX XXXX.i am not! I contacted XXXX she sent me an email stating I'm nowhere in the system as a registered XXXX XXXX  also they did not hire because of what I had just did XXXX in jail for which was a closed case time served.which has nothing to do with the job I was applying.how can they discriminate against me for something I already took care of? and is over and done with.it states they can not use anything in ur background check for determining employment. But they did .and idk where or when or how that registered XXXX XXXX, not just registered XXXX XXXX  but a predator violent crime! Charge came from. I've never been charged with anything like that some one has been using my identity for a long time now since XXXX  I just saw all them charges on my XXXX account, Ive never made any of them .there is a trust account in my name that was supposed to have been given to me but my family is keeping it from me.and allowing XXXX XXXX to pretend to be me to purchase items using this account.there is also a house thst was left to me that she is living in as me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Company report collection balance of {$610.00} on XX/XX/XXXX Sent letter regarding 15. U.S. Code 6802 on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief