vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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: FL

Complaint narrative:
Navient has been an absolute horrific business with deceptive business practices and customer service representatives who are tactfully trained to put students and borrowers into more and more debt. I originally obtained a loan from Sallie Mae ( who later transferred my loan to Navient ) to pay for my education in XXXX. Since then, though I've made many, MANY payments on time, there were times where I struggled and couldn't make my payment. Everytime I called, they regularly and routinely " forced '' me into forbearance and made it an effort to say that this was a great solution to my problem. XXXX did I know- the interest continued to mount and XXXX and though I borrowed {$7000.00} in XXXX, I'm STILL making payments in XXXX ( almost 10 YEARS later ). I know there was a lawsuit with Navient where they should be forgiving private debt and I've met the criteria. However, the representative I spoke with indicated they're waiting for a letter ... What letter could you possibly be waiting for? I meet the eligibility and you admittedly engaged in deceptive practices. I was XXXX or XXXX when I first took this loan. I'm almost XXXX and still paying ( and have already paid WELL over the XXXX originally borrowed ). The representative ended the call by reminding my my next payment was due on the XXXX. What the XXXX? Seriously?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX XXXX XXXX {$360.00} XX/XX/2019 I've sent XXXX rounds of letters and that the account still remains on my credit profile and have not been fully validated

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 2022-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Early XXXX, Capital One closed my Walmart credit card which had a small credit on it. 
I immediately called Capital One to inquire. They told me it was closed on error and they would look into it and I would receive a call in 7 to 10 days. I called back about every 2 weeks and always got the same response that Cap One would call me back in 7 to 10 days. 
To date Capital One has never called me. 
On XX/XX/2022 I called Capital One again, and this time they informed me that it was closed because I requested it close. I offered to provide full medical records as only someone with psychiatric issues would close an account then call 6 times to inquire why it was closed. 
On the XX/XX/XXXX Capital One informed me they had sent a check for the credit about a month prior. Unlike the 5 promised return calls, this was also not done. They told me they would overnight the check as well as a detailed explanation. I did receive an overnight package but with no check or explanation, but generic information about my card. 
One of the items included was a copy of the contract which stated if money is owed at the end of a billing cycle, a {$39.00} fee would be assessed each month.. 3 billing cycles have now passed and not only have I not seen a check, Capital One has never called me back in-spite of numerous promises to do so. 
In addition, Capital One violated the Federal Fair Credit Reporting Act for incorrectly reporting that the card was closed on my request

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 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: GA

Complaint narrative:
I demand this company XXXX XXXX XXXX to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )

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 2022-12-05 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: GA

Complaint narrative:
I demand this company XXXX XXXX XXXX to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: GA

Complaint narrative:
I demand this company XXXX XXXX XXXX to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )

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 2022-12-05 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: U.S. BANCORP
State: MN

Complaint narrative:
My car was broken into wallet and credit cards was stolen fraud happened to my account fraud department froze my account so I wasn't able to make payment because I didn't have credit cards and they froze my account so I received 60 day late on credit report l.Since than I have made payments to get back on track. Police reports were made in XXXX and XXXX of 2022 Elan financial credit card.

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 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
I had an account thru XXXX XXXX for a Gap credit card, someone changed my address and charged XXXX worth of fraudulent charges to my card. I have been in contact with XXXX  since XXXX 2022. They failed to do anything about the charges. They transferred the portfolio to Barclays Bank in XXXX. I have contacted them several times and have been told they cant help me. XXXX and Barclays both say there is they can do to help. Please help me, this is impacting my life. I have always paid my bills on time and take pride in maintaining a great credit score. Thank you.

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 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have contacted XXXX XXXX  times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX three  times including today XX/XX/XXXX to request them to update the account with the credit beaurers  as the account has been closed and settle. They inform me that the account has already been reported to Transunion, XXXX, and XXXX as account settle for less and closed about two months ago. However this credit companies refuse to update my account and lastly the representative from XXXX  today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.

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 2022-12-05 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have contacted XXXX two times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX XXXX times including today XX/XX/XXXX to request them to update the account with the credit beaurers as the account has been closed and settle. They inform me that the account has already been reported to XXXX, XXXX, and Equifax as account settle for less and closed about two months ago. However this credit companies refuse to update my account and lastly the representative from XXXX  today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: DISCOVER BANK
State: AP

Complaint narrative:
Hello, This started in 2021, when I finally checked my credit for the first time after noticing old bills in my name in my mothers home. She XXXX XXXX and we were cleaning out her home. I saw that it was a charge off and I been trying to dispute it ever since. At first, Discover didnt tell me I had to create the identity theft report or anything, they only told me that itll be on my credit for 7 years. I was confused because it didnt make sense. The worker did not care and was rude. XXXX XXXX XXXX military stationed in XXXX XXXX for the last two years. This past year I sent my information with EVERYTHING, FOUR times. Due to my work hours and the time difference I try my best to contact everyone and get names of people but Im always led wrong number after another. I even sent all of the required information by mail to XXXX AND Discover. XXXX is telling me that I probably need a police report as well as the XXXX XXXX XXXX paper but how can I make a police report on a person that has been dead for a year? I called them time and time again. Discover is still saying that my information is correct. Im thinking, of course its correct because my mother is the one that took a credit card out in my name! Not me! Ive talked to XXXX and XXXX and they were nice and explain to me to keep disputing it. This is absolutely ridiculous. Ive also attached my mothers death certificate because it feels like no one is listening to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with capital one and they had also denied me. I asked them had they run my credit through Capital One? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXX, XXXX XXXX ( XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX XXXXXXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX Santander Consumer USA, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXXXXXX, XXXX XXXX ( XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-12-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with capital XXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance XXXX, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance XXXX ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX  XXXX, Wells Fargo ( XX/XX/2022 )

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello, I am an actual proud customer of SchoolsFirst Federal Credit Union and even have a car loan with them that I purchased XXXX week of XXXX of this XXXX. I disputed several times as I was contacted by the bank and saw that I had a personal loan in the amount of $ XXXX on my account that I did not authorize to open. For months, I have been in contact with XXXX and tried stating the truth to them that my boyfriend and now ex opened the account with no income and put my information down to obtain the loan. He has also let me know he does not plan on paying back the loan as I tried to ask him to pay on it so it does not affect my credit. I have disputed this with all 3 of my credit bureaus in XXXX and XX/XX/2022 and even submitted a payment to the bank on XX/XX/XXXX when I was surprisingly contacted by them for late payment. I have also presented to both the bank and all 3 credit bureaus fraud and attempts by my ex to include a restraining order I have had on him since XXXX of this year to stop all communication. XXXX has instructed me to dispute with the credit bureaus as well as file fraud charges. Currently, there is also an open criminal case of domestic violence against him as well as he continues to harass me. I have also re-submitted the disputes stating litigation and fraud for this loan. I have had thousands of dollars stolen from me by this man and this loan is still active. He is now stalking, harassing and even threatening me to pay him {$8000.00}. I have never had an issue with my bank and have always maintained a great relationship with them. I have also had several accounts that were opened illegally by XXXX XXXX to include a pet wellness account that I had ( after several months ) finally get canceled once I shown the restraining order and attempted accounts opened in my name for him to receive loan money. He should have never received funding from the bank with no income and most importantly using mines. Attempts to speak to him verbally to pay or I stated legal action would be taken there was no response but violence.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-05 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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