vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have reached out by email requesting them to remove my info as well as not provide my personal information to trans union and XXXX. As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX. 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the XXXX court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( Transunion ) .lied about verifying this XXXX with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following XXXX  from my credit report : XXXX XXXX XXXX  Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/22 I attempted to log in to my online banking account with Truist. I was immediately logged off. I attempted this 2-3 more times to no avail. My only goal was to check my checking account balance and transfer funds if needed. 

I then called the automated line to try to check my balance over the phone. The online system would not understand my social security number, which I entered about three times. I then attempted to speak with an operator and was told wait times are over an hour. I do not have time to wait on the phone for an hour or more. 

Currently, I have no way of accessing my funds at all. This is much worse than the recent complaints I have sent you about this bank. In those situations I couldnt transfer money but could at least see my balances. I can do neither now. 

The bank has an active social media ( XXXX ) account, yet it provides zero updates about this problem despite numerous complaints being posted in the last two hours. Nothing is mentioned about this there or on the banks website. It is extremely stressful to not only have no way to access my account but to have zero acknowledgment by the bank that a problem even exists, much less is being fixed. Communication with customers is not one of this banks values or concerns.

My worry is that it is almost the weekend. Historically, when this bank experiences problems on or close to the weekend, nothing happens. No one works on it and any progress made comes to a grinding halt. Im quite fearful this will be the case again this weekend. 

I need to access my account to pay bills and make transfers - and, if nothing else, because this is my money and I have a right to know whats going on with it. This bank is bafflingly incompetent when it comes to its online banking system and customers are paying the price. 

I strongly encourage bank regulators to investigate Truists unethical ( at best ) banking practices.

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 2022-12-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have filed a dispute with the credit reporting agencies in regards to medical information reporting on my credit report. I still have not received any information in regards to my complaint. This is really hindering me from moving forward financial. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response Please remove this inaccurate information from my credit report as soon as possible. Thanks in advance

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi XXXX, I would like to express the dissatisfaction about your call center / fraud department procedure. 

As a long time customer, I was accused as a fraudster depositing a fraudulent check. 

I was laid off by a lender few months back and my last paycheck was placed on hold and couple of days ago on XX/XX/30 I deposited my first pay check and still being accused they suspecting the check is fraudulent even it is from XXXX XXXX XXXX  even I called in on XXXX and XXXX to try to resolve this Not only the employees are not helpful - On top they do not allow the matter to be escalate further. 

I am indeed the check deposit to survive due to the current economy but Chase truly making the transition harder than ever. 

I would like to see if you can assign someone to look into this further. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TN

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : ( 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 XXXXXX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of 2022. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these 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 2022-12-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of 2022. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank, through XXXX, has not been reporting to the credit bureau 's since XXXX. Attempts to contact them only results in canned responses with no assurance that this will be corrected anytime soon. Multiple customers are facing the same issue.They need to be held accountable to not reporting which is causing customers to not have updated information to the credit bureaus which effects everyone 's scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian is reporting old and un validated information this is a violation of the FCRA needs to be removed and credit file updated with correct and accurate information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO 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 2022-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In XXXX XXXX XXXX, I obtained a loan in the amount of {$18000.00} from XXXX XXXX ( now Navient ). They ended my interim period ( non-repayment period ) in XXXX despite still attending school. I was not advised of the repayment options I had at the time, and instead put me into deferment/forbearance until I began repaying in XXXX XXXX XXXX. I graduated in XXXX XXXX Steering me into exploding my debt through deferment/forbearance is, at the very least, unethical. XXXX XXXX used South Dakota as an usury haven to allow unfettered interest accumulation. I have paid nearly {$40000.00} for this loan, and have another {$43000.00} or so remaining. My loan term will end around XXXX XXXX at which point I will have paid over {$100000.00} for an {$18000.00} loan. This is extortion, and given the other crimes NavientXXXX XXXX has committed over the years, this appears to qualify for XXXX consideration. They refuse to allow me to settle for less than I currently owe, even though I was recently more than 3 months past due ( I am unemployed ), and even though I have already repaid more than I borrowed a couple times over. I was told over the phone that they won't do that, " because it doesn't make good business sense. '' It is their intention to extort money from me at the cost of future financial opportunity, and at the cost of my reputation and credit score. Had I been made aware of my options at the start of the repayment period, I would not be on track to pay more than 500 % of the money I borrowed. This is debt bondage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian FAILED TO NOTIFY OR INVESTIGATE DISPUTES

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 2022-12-02 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: GA

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: AL

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602A. Accuracy and fairness or credit reporting. States I have the right to privacy 15 U.S.C. 1681 Section 604A ( 2 ). It also states a consumer reporting agency can not furnish a account with out my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ). Section states. No consumer reporting agency may make any consumer report contaning any of the following items of infomation. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: Rocket Mortgage, LLC
State: MD

Complaint narrative:
HARD INQUIRY ISSUES. 
I was shopping to refinance my XXXX in XX/XX/XXXX, and ROCKET MORTGAGE. was the projected lender which it is not actually. They run my credit through a 3rd company XXXX XXXX, this company run 2 additional times without my consent. The first time when a ROCKET MORTGAGE lender representative and I agree to estimate the refinance cost which I can see in my credit report back on XX/XX/XXXX ; the second time my credit report was pulled again ( XX/XX/XXXX ) when they transferred me to a second representative from ROCKET MORTGAGE and seems this representative without my consent restarted over and told me that I didn't qualify and needed more extra income to qualify They ask me for my wife 's credit and she consented, she talked to them and They told me will add to the estimated projected refinance. This representative not just give me a high estimate and pulled my wife 's credit report but also mine for 3rd time on XX/XX/XXXX which I consider unnecessary and against my credit behavior I didn't want and deserve to be treated in that way, fortunately, we walk away from this company and I qualified for other Mortgage company all by myself and my wife 's credit wasn't needed. I talked to XXXX XXXX XXXX XXXX XXXX XXXX ROCKET MORTGAGE and she didn't consider an error, short and not helpful Phone number is XXXX fax number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Twice this year Navient has put my student loan repayments into deferment, without my permission. I have been repaying my original student loans and want to continue repaying them, in fact, I was set up for monthly auto-pay payments. I contacted Navient around XXXX or XX/XX/2022 after the first time they put my loans into deferment and stated in writing thatI did not want my loans in deferment. After this contact, they restarted my auto-payments. However, it appears that once again in XX/XX/2022 they put my loans in deferment again, without my request or permission. I do not want my loans in deferment - I did not request for this to happen, nor did I approve the changes to my account. 

Today, XX/XX/2022, I received an email from Navient telling me that I have accrued an additional amount of unpaid interest on my student loans ... .because Navient has not been deducting the auto-payment on my loans since XX/XX/2022 - even though I did not ask for or authorize this change. 

I logged into my Navient account today, after receiving the correspondence about the accrued interest on my account, only to find that I am unable to reinstate or change the payments on my account ... .because it is in deferment. Navient has 'disabled ' these features on my account. I feel like this is absolutely criminal and a very crooked way to make more interest off of a loan. 

I have once again contacted Navient stating that I do not want my loan on deferment and I want to continue with the auto-pay that I had set up ( which also provided a discounted rate for auto-payment, which they XXXX ). I can not believe that the changes Navient has made are legal and are a violation of my consumer financial rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have reached out by email requesting them to remove my info as well as not provide my personal information to trans union and XXXX As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX | DOB : XXXX XXXX XXXX XXXX. 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( Transunion ) .lied about verifying this bankruptcy with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation