vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX C Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am not aware of this debt and have not received any notification. Please provide the Certified Mail Receipt bearing my signature if appropriate notification has been sent. I am formally requesting verification of the alleged debt dated XX/XX/2024. Despite previous requests for verification and a cease-and-desist order, I have not received any correspondence or confirmation. 

The NCA account XXXX, with a balance of {$460.00}, contains several inaccuracies and incomplete pieces of information that require attention, along with clarification on the steps taken to ensure the accuracy of the reported account. Specifically, these inaccuracies include the absence of recorded information in the two-year payment history across the three bureaus. Additionally, there are inconsistencies and incompleteness in the information provided by XXXX regarding monthly payments, number of months, credit limit, past due amount, and date of last payment. There is no reported detail to compare to determine accuracy under XXXX and XXXX. 

Given these inaccuracies, I request a thorough investigation into these discrepancies and a prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this 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 explanation
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
I am writing to formally bring to your attention a critical matter related to my consumer rights under the provisions of 15 U.S. Code 1681c-2. On XX/XX/2024, I submitted a request to investigate inaccurate accounts on my credit report. Unfortunately, it has been over 45 days since I sent my inquiry, and I have not yet received a response. 
It has come to my attention that the consumer reporting agency involved has failed to comply with the statutory requirement to block the reporting of information resulting from alleged identity theft within the stipulated time frame of 4 business days. As of today, 30 days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law.

As a victim of identity theft, I have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency has not acted promptly to delete this information from my file. This situation is causing me significant distress and threatens my financial well-being. 
Additionally, I want to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. Identity theft itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. 
Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, none of which apply in my case as I never granted written consent for the inclusion of these accounts in my report. 
I kindly request that you treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I did not get the replacement card on the account when it was sold to Continental Finance, and then I got a text that I owed money on the card, which had been paid off. I couldn't go online to pay because I didn't have the new card to set up the online billpay. So, I got the phone number and paid the amount due ( {$10.00} ) plus a penalty for paying by phone ( {$5.00} ). I asked the person to cancel the card at that point since it was then paid off and she said she did. 

Now I got another text that I have a payment due. I reached out to see why I have a payment due when I paid it off and canceled it and they said I will continue to have maintenance fees due, even though I canceled the card. 

This is what the person keeps repeating in the chat : " No. Terms of your cardholder agreement remain in effect until the balance is paid in full such as making the minimum due payment each month. Interest and monthly maintenance fees will be billed on the account until the balance is satisfied. '' This is a circular argument that means I will never be able to cancel the card if they can just add another " maintenance fee '' on a card that had a XXXX balance and then claim that I can't cancel it since there's a {$10.00} payment due. On top of that, they tack on a {$5.00} fee to pay by phone ( since I don't have the card to make an online account to pay it ). 

This was an excellent card until Continental Finance bought it. Now it is garbage.

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 2024-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX, I had went to pay my bill before XXXX XXXX on the date it was due. However their system would only let me schedule it for the next day. I sent a message asking them if I would get a late fee and explaining I was out of the country for most of the month and could not get to paying the bill earlier. 

The first message I received was that had not been charged a late fee. This was on XX/XX/2024. 

I did not receive a bill the following two months. In XXXX I began getting text message and calls that my account was overdue. They charged me two late fees, one for XXXX, and another for XXXX, plus interest. I again reached out again. They told me that " Please be informed, if your account has a XXXX balance with no activity, no statement will be available for that month and year. '' They were only willing to credit {$15.00} as they " Unfortunately we do not have an option to waive all the late fee charges incurred on your account. '' I asked that this be reviewed in a follow up on XX/XX/2024. They again declined. 

I sent a full payment for the balance that was processed XX/XX/2024, the day before the due date. However, they charged me {$2.00} in interest after the full payment was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
During the pandemic, we requested a forbearance plan. In the meantime, we continued to make payments but two of them were not properly accredited to the account in XXXX and XXXX. I have been calling them since then, and the representatives I spoke to kept saying that their system had not catching up with payments and requested to give them time to do so and disregard future notices of delinquency since they were just automatically generated for the system not recognizing the payments. 
We continued to accumulate late fees, penalties, recovery fees that now go above {$1200.00} and still show two payments behind, besides being reported to credit agencies as delinquent and having a negative impact on our scores. 
Every attempt to speak to XXXX XXXX XXXX, VP of consumer banking for XXXX Citizens financial group in Rhode Island has been blocked and employees say they do not have knowledge of him or XXXX phone #. I sent copies of bank statements demonstrating payments, and we are yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: OK

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against them.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member.

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am fully aware of the School Misconduct Discharge Pilot Program and I would like to participate in it. If you don't address this, Ill be reaching out to my state and federal legislators, and anyone else I can think of to get the ball rolling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NC

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1300.00} XXXX - XXXX XXXX XXXX XXXX - XXXX {$10000.00} XXXX - XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have paid almost {$1000.00} and they keep charging me for late payments. That is why the debt was never going below so I stopped paying for it because thats how credit card works. Life is hard Im just trying to survive. Im living in this planet against my will & I didnt have much choice but to get that credit card to get things done.

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