vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Greetings, I noticed a change in my credit report around XX/XX/XXXX where Navient had reported XXXX student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under Navient ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the Sallie Mae settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by Navient XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, XXXX and XXXX with no luck as they stated that Navient certified the account as if their information is accurate. I dont understand why they credit agencies determine at Navient XXXX as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: IN

Complaint narrative:
On or about XX/XX/ 2021, consumer sent letter to Experian followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent you a request to reinvestigate the information that I previously disputed. It is unacceptable that the items are still showing on my report, I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act. I reserve the rights to file a law suit against your company or any company you represent.

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 2022-01-26 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: CA

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-01-26 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: FL

Complaint narrative:
TransUnion has reported invalidate debt on my credit report the debtor has failed to produce validation of the debt. I requested them to investigate they failed to do so. I've sent out debt validation letters I have yet to receive a response

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 2022-01-26 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: IN

Complaint narrative:
This is my third time filing a complaint about this credit reporting agency and no one has taken any action to correct the violations that have occurred. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should NOT be included on a consumer report. However my Experian consumer report is currently showing 25 accounts in the account summary section where I have received an authorization or approval of an extension of credit. Federal law prohibits Experian from including these extensions of credit on my consumer report. Those in positions of authority at Experian have failed to comply with the FCRA and as a result Experian is in violation of federal law. Experian has no control or authority of natural persons and their consumer reports. Pursuant to 15 USC 1681 ( a ) ( 2 ) Congress has made it clear that credit reporting agencies are elaborate mechanisms. Pursuant to 15 USC 1681 ( a ) ( 3 ) Experian was not given the role of compiling and reporting information on consumers they assumed that role and their assumption has negatively affected my life by violating my right to privacy. Experian has a grave responsibility to respect my right to privacy as a consumer pursuant to 15 USC 1681 ( a ) ( 4 ). I am demanding that Experian delete all 25 accounts where I have received an authorization or approval of an extension of credit.

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 2022-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank is reporting duplicate inquires that I do recognize. Duplicates not authorized at no time do I recognize these duplicate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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:
XXXX XXXX XXXX  is reporting duplicate inquires that I do recognize. Duplicates not authorized at no time do I recognize these duplicate inquiries.

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: AL

Complaint narrative:
To whom it may concern, I am writing to dispute a fraudulent item listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that an account from Discover Financial Services had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having this fraudulent item on my credit report. 

This discrepancy is impeding our progress of fulfilling our dreams to buy our first home. 
After reviewing the account, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. 

I am requesting that the following item be removed from my credit history to correct the information as the fraudulent charge was not made in good will nor with my authorization and knowledge. The fraudulent item can be found below : Item 1 Account Name DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$2800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$83.00} Credit Limit {$5500.00} Highest Balance {$2900.00} Terms NA Please investigate this matter and remove the disputed item as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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:
The consumer reporting agency, EXPERIAN INFORMATION SOLUTIONS INC, is inaccurately reporting a late payment on my consumer report and file. In accordance with 15 USC 1666b, I can not be late on my credit card account with XXXX XXXX XXXX as it is under an open end consumer credit plan. Prior to furnishing this inaccuracy on my consumer report on XX/XX/2022 did EXPERIAN INFORMATION SOLUTIONS INC investigate to verify this information to be true? 

XXXX XXXX XXXX  received a billing error dispute as well as a CEASE AND DESIST NOTICE on XX/XX/2022. In accordance with 12 CFR 1026.13d ( 2 ), XXXX XXXX XXXX can not make any adverse report about my consumer credit standing upon receiving billing error dispute. Also, XXXX XXXXXXXX XXXX  is in violation of the Cease and Desist Notice as they are not to communicate with me directly or indirectly in which they are indirectly communicating with me via my consumer report and file to coerce payment. 

Pursuant to 15 USC 1681 ( a ) ( 3 ), EXPERIAN INFORMATION SOLUTIONS INC assumed this VITAL role and must adhere to their grave responsibilities pursuant to 15 USC 1681a ( 4 ). It is unfair to report my private transactions and experiences without getting consent from me, the federally protected consumer. EXPERIAN INFORMATION SOLUTIONS INC. continues to act impartial by not giving me, the federally protected consumer, an opportunity to validate the information before furnishing on my report. This all could have been avoided had they conducted a proper investigation instead of aiding XXXX XXXXXXXX XXXX  to attempt to commit coercion. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), my written instructions are to remove the late payment from my consumer report and file. This needs to be updated immediately as everyday it is on my report it is damaging my reputation and prohibiting me from doing business with other financial institutions by falsely portraying me to not be creditworthy which impairs the efficiency of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ).

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 my online backing was hacked into and removed funds from my savings account. The total amount that was removed was {$1700.00} dollars. I filed a fraud claim and received a letter from the mail 2 weeks after in response my claim was denied. I did not authorization this transaction, my account was hacked.

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 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: AL

Complaint narrative:
I am a natural living and breathing person ; consumer. I am aware that you are committing fraud and in violation of my federally protected rights by reporting that I owe an alleged debt that I have no knowledge of and hereby REFUSE. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I demand documentary evidence that shows I legally owe you an alleged debt.

I am also aware that you are in violation of my rights according to the Fair Credit Reporting Act, 15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report. As well as to the Fair Credit Reporting Act, 1681 ( d ) ( 3 ) ( a ) as medical information is to be excluded from consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I received a marketing email from Chrysler Capital at XXXX on XX/XX/2022. The preview of the email in my inbox on my phone read " XXXX, your preapproval is here! Please log in to view the status of your recent online financing application ''. 

I was immediately worried that my identity had been compromised and that someone had wrongfully submitted an application for credit with Chrysler. I immediately called the number of Chrysler Capital 's website to inquire if an application had been submitted. After spending approximately 20 minutes on hold I spoke with a representative that told me there was not an application of had been received in my name and that the email was simply marketing that in the event that I was looking for financing, I had been preapproved. 

My understanding of XXXX as I am a consumer lender for a financial institution is that deceptive marketing is determined if the following criteria are met : The statement is prominent- I have included a screenshot of the preview of the email in my inbox. It very prominently encourages me to log in to check on the status of my online application. 

The information presented is easy to understand- I believe based on the statement above, a reasonable thinking person would be lead to believe that an application had been submitted in the name of the email recipient. I believe this statement was very easy to understand. 

Is the placement of the information in a place where a consumer would be expected to look?- Yes!!!! Absolutely. Its the first thing I saw when I saw the email preview. 

Is the information in close proximity to the claim it qualifies? - My understanding of this point is rather vague, but if I understand correctly it is a material difference on if an application had been submitted, or not. My strong belief is that a reasonable thinking consumer would infer that an application had been submitted by their statement and this directly contradicts the admission by the representative via the phone call that it was a marketing effort if I needed future financing. 

In conclusion, I believe this has met the criteria of a deceptive marketing practice by Chrysler Capital. There are also aspects of the act that in my opinion also meet criteria of an abusive practice as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I financed this vehicle I believe in XXXX and on the report it shows that I refinanced this in XXXX. Also, I voluntarily gave up the vehicle to them because I became ill with XXXX and could not keep up with the payments and it states that it was involuntary repossession. I know they sold the vehicle and it says on my credit report the wrong balance. It should be lower than what it is. Its still reporting higher than it should be. Also, Ive been trying to get this removed from my credit for false Information because its holding me back from purchasing my home. Ive gotten it removed from XXXX, but the others will not remove it. I got a letter from them years ago, but it was from the law firm theyve sent it to requesting the money. Ive sent them my information and hospital information to show proof that I was sick at the time. I have not received anything else from them about this vehicle or a settlement or anything. Thank you for taking out the time to read my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not recognize XXXX XXXX inquirie on my credit profile Transunion, XXXX and 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