vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Company XXXX XXXX XXXX XXXX has furnished my consumer report trying to collect a debt that has been written off and charged off by the Original Creditor, Flagstar Bank. I have requested IRS documentation from Flagstar Bank XX/XX/XXXX ( cancellation of debt ) that the bank has submitted to the IRS. I received verification on the call the amount in question was and has been CHARGED OFF. I was advised they would send the requested IRS documentation within XXXX days. This account is currently in litigation as all parties will be held responsible for furnishing my consumer report and their attempts to try and bring stress upon I the consumer. XXXX XXXX and XXXX has furnished my report illegally for 4 years. This company has received several disputes regarding this account and in their efforts have continued to verify information to my consumer report without : A. having permission from I the consumer to have my non-personal information. FlagStar Bank breached their privacy policy with I the consumer as advised in the contractual agreement that my non-public information is not to be disclosed to non-affiliate third-parties as, XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX and Flagstar Bank have violated my rights of privacy pursuant to The Privacy Act of XXXX. 

I demand the collection account be removed effective immediately. All parties have been notified.I am requesting damages pursuant to the FDCPA for falsifying and furnishing inaccurate information to my consumer report for years. Indicating that I owed the alleged debt and in fact I DO NOT. I am willing to settle XXXX Account XXXX XXXX, civil liabilities and damages against I the consumer in accordance with the FDCPA XXXX 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 2024-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I had federal and private student loans with Sallie Mae back in XXXX. Sallie. Mae sold it's company to Navient and somehow Navient consolidated my loans without my knowledge by XXXX. It is now XXXX and my monthly payments and loan balance are out of control. I have tried reaching out to Navient about different programs and forbearance throughout many years but according to Navient I have exhausted all my options and no other plans available. Several years ago I was XXXX and I expressed this to Navient and they still wanted full monthly payment. Because of the interest rates my loans are raising g to {$60000.00} and my monthly payments are {$700.00} a month which I can not afford. 
Recently, I was in the class action suit XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C but that was for federal held loans and I did not receive proper compensation for the federal loans held with Sallie Mae prior tXXXX them being consolidated to Navient which is why my balance never changed on my private student loans until recently with the interest. I still owe what I graduated owing in year XXXX balance {$58.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I received a phone call from Wells Fargo ( a spook number is what its call when I spoke to Wells Fargo that what they told me ) stating that fraudulent transaction on my account they sent me a verification code I gave them the code they then access my account froze my online app and added XXXX recipients to my account and tried to send a XXXX dollar to each XXXX out of the XXXX transactions was denied but XXXX went through someone call money man when my online acces was frozen I hung up and directly call and reported it to Wells Fargo XXXX XXXX the see the transaction and noted that I reported it as fraud as I explain what happen and told the agent why would I try to send XXXX when I didnt even have more then XXXX in my account they said they was going to investigate and then denied my claim when I call they said they would send me the investigation report and the reason why they denied my claim which they never did I was told it would take up to 30 days it been over 45 days and I havent received the report I also call them and gave them the police report # XXXX XXXX Florida police department XXXX XXXX : go XXXX XXXX Money man : XXXX Ashly XXXX XXXX XXXXXXXX Some of the recipients that XXXX added but the only transaction that went through was money man I already told police I would like to file charges and prosecute the person The redress sought is that my XXXX be refunded to me because I dont knew these individuals and I just want my money back

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
my account was closed without notice and I requested info and never received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove my inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove my inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20 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: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was alerted that a collection for Jefferson Capital was on my report. I went and filed a dispute requesting validation of the debt and requested the original contract and details about this account along with payment history on XX/XX/XXXX. On XX/XX/XXXX I was notified the debt was validated but Ive received no response from Jefferson Capital. 

I submitted a complaint on their website and never received a follow up call or email. 

I contacted XXXX and they dont have anything in their system for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024, the company XXXX XXXX XXXX XXXX charged off my account in the amount of $ {$6200.00} and did not send me a 1099-C form for a Cancellation of Debt which I am entitled to. I have contacted them and they have not responded back as of yet. This item is reported on my credit report and has put a negative ding on my credit report.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured. The violations I am reporting involve inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision. I provided the correct address and my social security number to this reporting agency and they continue to knowingly put inaccurate addresses that I have never resided at. I sent a photo copy of my Drivers license that has my only residence. I do not get any legal mail or correspondence from any address other than my home : XXXX XXXX XXXX XXXX XXXX Texas XXXX. I also sent a photo copy of my social security card. I have ask them numerous times to remove the inaccurate addresses. I provided my drivers license and social security card as they requested with my address and only address that I want on my report. I also contacted creditors who provided inaccurate information to the reporting agencies and received deletion and removal of account assurance. I was told that they would request to remove and delete accounts to the all reporting agencies. This reporting agency is still reporting inaccurate information on my credit report. I have requested as well as some of the creditors to have accounts removed. Apparently they have not been remove as requested. My rights are being violated and by consumer laws Im requesting relief immediately.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Exsperian  credit reporting has inaccurate reporting finger hit XXXX. Which was paid in full. Showing oncredit report history twice.. Which same company XXXX sold my name information to XXXXXXXX XXXX XXXX  requesting same amount money XXXX XXXX XXXX. Is requesting, same Exact money. Which has affected my credit scores for months. Which I'm Unable to contact Exsperian whom Has my Account XXXX. So I'm Unable to Dispute this to Exsperian

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 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX Account has been charged off and written off. There is no contractual agreement with the creditor and I the consumer as the debt does not exist in accordance of the write off. I request proof that debt is owed and that all documentation has been provided to the XXXX in accordance of the charge off- written off account that XXXX XXXX has reported consistently to my consumer report. I request proof that the account is charged off, proof that it is written off as all parties will be held responsible for falsifying and furnishing my consumer report inaccurately. An XXXX XXXX can not be reported to a consumer report as indicated pursuant to FCRA on what can and can not be reported. If a debt is cancelled/ charged off there shall be proof of the information provided to the consumer for the purposes of the consumer accessing and filing that information on a federal income tax. I demand Experian complete a thorough investigation of this matter and request information from Experian to whom they have corresponded with within this investigation the parties name and address, time and date and proof of the documentation from the XXXX  ( cancellation of debt ) that proves the account is in fact charged off. I am attaching to my consumer report for the purposes of capital XXXX practices in falsifying 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 2024-04-20 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: CA

Complaint narrative:
Dear BUREAS, I am writing to formally lodge a complaint regarding the mishandling of a disputed entry on my credit report, specifically relating to the XXXX XXXX XXXX sold to me by XXXX XXXX. Despite providing all necessary documentation, including a Federal Trade Commission ( FTC ) report, a local police report, and a valid identification, the entry was not adequately addressed by Experian. 

As per the dispute process, I provided comprehensive evidence to support the removal of the disputed entry. It was my understanding that Experian would take the necessary steps to block and remove the erroneous information from my credit report. However, to my dismay, the entry resurfaced shortly after being deleted, indicating a failure on Experian 's part to effectively handle the dispute. 

Furthermore, it is evident that Experian 's collaboration with creditors appears to disadvantage consumers like myself. Despite clear evidence of identity theft on my report, Experian has failed to ensure the proper removal of fraudulent entries, particularly those tied to a disputed address. This refusal to rectify the situation not only undermines the integrity of the credit reporting process but also perpetuates the financial burden on innocent consumers. 

I urge Experian to promptly reevaluate my case and take immediate action to rectify the mishandling of the disputed entry. It is imperative that Experian upholds its responsibility to protect consumer interests and adhere to fair and accurate credit reporting practices. 

I expect a timely response to this complaint and a resolution that reflects Experian 's commitment to consumer rights and data accuracy. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-04-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In response to my complaints to Equifax, they stated that all the inquiries I had disputed were not on my file as indicated. However, upon reviewing my credit file from XXXX XXXX, attached XXXX, I can see that my concerns are still present on my credit file. Please find the attached document for reference. 
Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. This are all the unsolicited hard credit inquires 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
According to FRCA section XXXX it is XXXX to report information on my credit report without my permission. Thank you, and please delete this off my report.

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 2024-04-20 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
According to FRCA section XXXX it is XXXX to report information on my credit report without my permission. Thank you, and please delete this off my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX Account XXXX. XXXX XXXX. # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX. # XXXX XXXX. The XXXX XXXX. # XXXX XXXX. XXXX XXXX XXXX # XXXX Have 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 instructions

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 2024-04-20 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX Account XXXX. XXXX XXXX. # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX. # XXXX XXXX. The XXXX XXXX. # XXXX XXXX. XXXX XXXX XXXX # XXXX Have 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 instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.

Company response to consumer: Closed with non-monetary relief