vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: PA

Complaint narrative:
On XX/XX/year>, I submitted a School Misconduct Discharge application for my XXXX private loans associated with enrollment at XXXX XXXX XXXX XXXX XXXXXXXX and issued by Navient, formerly Sallie Mae. With this application I submitted substantiation to my claims related to federal and state litigation directly against Navient for loans lent on behalf of XXXX XXXX XXXX ( XXXX ) as well as litigation and settlements against XXXX in favor of federal and private student loan recipients. 

By XX/XX/year>, Navient acknowledged the receipt of my application. On XX/XX/year>, Navient replied to my application with a denied ruling on all three private loans associated with the application. For reasoning of this denial, Navient only provided this limited description, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' All documentation provided for my claim related directly to misconduct enacted by Navient or XXXX XXXX XXXX ( XXXX ) and relates specifically to the period of my own enrollment at the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: 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 USC 1681. 

Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-07-27 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 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 2024-07-27 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: 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 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 2024-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Furniture store name XXXX XXXX XXXX XXXX XXXX XXXX l have made on time payments .used this company morer 10 years as. Report to credit bureau to Build my credit scores.. What has happened there inaccurately reporting records. Found on all 3. Credit bureau are. iNCORRECT. REPORTING All 3 Credit report agency credit r While making on time payments. .I have requested this company to fix this more 3x due to me now constantly bein. turn down. For lines. Credit.. This 2nd time l been denied for purchasing. New Home due to reporting. Delinquency.r .reporting scores While makein on time payments Never late.. Only time when there is something changes. when something been paid ooff or. New purchase some thing New just bein added.. I Noticed huge changes. My credit scores XXXX XXXXXXXX Were me my wife relocated XXXX XXXX.. While makeun on time payments.. I have kept documents receipts attached to portal. Shown no late payments been made. All on time

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 2024-07-27 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: WI

Complaint narrative:
Furniture store name XXXX XXXX XXXX XXXX XXXX XXXX l have made on time payments .used this company morer 10 years as. Report to credit bureau to Build my credit scores.. What has happened there inaccurately reporting records. Found on all 3. Credit bureau are. iNCORRECT. REPORTING All 3 Credit report agency credit r While making on time payments. .I have requested this company to fix this more 3x due to me now constantly bein. turn down. For lines. Credit.. This 2nd time l been denied for purchasing. New Home due to reporting. Delinquency.r .reporting scores While makein on time payments Never late.. Only time when there is something changes. when something been paid ooff or. New purchase some thing New just bein added.. I Noticed huge changes. My credit scores XXXX XXXXXXXX Were me my wife relocated Wisconsin rapids.. While makeun on time payments.. I have kept documents receipts attached to portal. Shown no late payments been made. All on time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: WI

Complaint narrative:
Furniture store name XXXX XXXX XXXX XXXX XXXX XXXX l have made on time payments .used this company morer 10 years as. Report to credit bureau to Build my credit scores.. What has happened there inaccurately reporting records. Found on all 3. Credit bureau are. iNCORRECT. REPORTING All 3 Credit report agency credit r While making on time payments. .I have requested this company to fix this more 3x due to me now constantly bein. turn down. For lines. Credit.. This 2nd time l been denied for purchasing. New Home due to reporting. Delinquency.r .reporting scores While makein on time payments Never late.. Only time when there is something changes. when something been paid ooff or. New purchase some thing New just bein added.. I Noticed huge changes. My credit scores XXXX XXXXXXXX Were me my wife relocated Wisconsin rapids.. While makeun on time payments.. I have kept documents receipts attached to portal. Shown no late payments been made. All on time

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 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DSW Carolina, LLC d/b/a Resource Services
State: SC

Complaint narrative:
Resource Services placed a collection account on my XXXX credit report from XXXX. The information presented on the credit report is fraudulent. There is no address from the original creditor. The statement shows as an open collection account, but there is nothing verifying the dates from the original account. I feel that this a form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IA

Complaint narrative:
This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 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: 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 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 2024-07-27 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State as well as federal courts have jurisdiction over suits brought pursuant to 42 U.S.C. 1983, which creates a remedy for violations of federal rights committed by persons acting under color of state law.

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 2024-07-27 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:
15 U.S.C 1681 section 602 A. state have the rights to privacy. account : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 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 items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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 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 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I recieved an email on XX/XX/XXXX from Resurgent /LVNV Funding LLC about a debt they said I owed. I requested more information and they uploaded the credit card statements to my portal. These statements and this account are for another person named XXXX XXXX who was living in Texas when they had this card. That is not my name nor have I lived outside of Tennessee. I reached out via phone and email multiple times to dispute this and then did a dispute on XXXX most recently and then are saying it is my debt but how can that be when it is for another name and address and they have not verified the social obviously bc it is not me. I have lease statements, drivers license, paystubs etc all showing I live in Tennessee and have for years and my name has never changed. I want this fixed as it's now showing as a collection on my account. they are not doing their job to accurately verify this data and it is affecting me and taking my time to repeatedly dispute their error. I am including the credit card statement they sent me, my last XXXX lease agreements at the same address I've lived at for 6 years, my drivers license, and screenshot of the email I've sent to resurgent about this that no one has responded to. I don't know how much more information I can send to prove I am not this other person and this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: MOHELA
State: MO

Complaint narrative:
On XX/XX/year>, XXXXour payments of {$230.00} were pulled from my bank account. I had scheduled these on mohela.XXXX the week prior. Initially, they showed up on my online account, but since have been removed. I made these payments to satisfy the XXXX - XXXX payments. Pre-payments are allowed for PSLF borrowers. I only had to finish the work requirements in XXXX and then I could apply for the PSLF forgiveness as I have made a total of 120 payments. I have a repayment schedule showing that {$230.00} was the correct payment amount, so I would like these to be applied to the XXXX through XXXX due dates. My payments are completely missing from my account and I do not know what MOHELA did with them. If they do not apply the payments to my payments that were due, then I will be unable to obtain PSLF forgiveness in XXXX and I will be unable to purchase a new home in the spring as this loan will disqualify me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: EQUIFAX, INC.
State: TX

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.

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 2024-07-27 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: AZ

Complaint narrative:
Due to IDENTITY THEFT and UCC 5-109 FRAUD AND FORGERY Personal information was breached now FRAUDULENT Inaccurate information has been furnished on consumer 's Credit Report pertaining to XXXX XXXX XXXX in the amount of {$920.00}, DEPTEDXXXX totaling {$15000.00} as XXXX and XXXX further incriminating themselves by allowing fraudulent activity to be furnished on consumer 's Credit Report before and after consumer confronts them about the inaccurate information and fraudulent activity in which XXXX XXXX XXXX INACCURATE FRAUDULENT ACCOUNT has been CLOSED as of XXXX, XXXX XXXX but has not been REMOVED off Consumer 's Credit Report. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as I am Demanding and ORDER said Campus to RELEASE The Credits from the XXXX XXXX Off Budget Account held off budget in the Federal Reserve Banks , held in Reserve as it shall be updated to an XXXX XXXX status as I am suppressing the Insurrection and Rebellion Monetary System via the 13th, 14th Section 3 and 4 and 15th Amendment..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: AZ

Complaint narrative:
Due to IDENTITY THEFT and UCC 5-109 FRAUD AND FORGERY Personal information was breached now FRAUDULENT Inaccurate information has been furnished on consumer 's Credit Report pertaining to XXXX XXXX XXXX in the amount of {$920.00}, XXXX totaling {$15000.00} as XXXX and EXPERIAN further incriminating themselves by allowing fraudulent activity to be furnished on consumer 's Credit Report before and after consumer confronts them about the inaccurate information and fraudulent activity in which XXXX XXXX XXXX INACCURATE FRAUDULENT ACCOUNT has been CLOSED as of XXXX, XXXX XXXX but has not been REMOVED off Consumer 's Credit Report. 

As The American Federal Citizen Elector, Barterer, Standing in a Christian Ecclesiastical Roman State as I am Demanding and ORDER said Campus to RELEASE The Credits from the Off-Shore Mortmain Off Budget Account held off budget in the Federal Reserve Banks , held in Reserve as it shall be updated to an XXXX XXXX status as I am suppressing the Insurrection and Rebellion Monetary System via the 13th, 14th Section 3 and 4 and 15th Amendment..

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