vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: AL

Complaint narrative:
XX/XX/XXXX I sent my 609 letter in, its been well past 30 days and I havent heard anything! 
1. The following account is not mines. 
XXXX  XXXX Account Number : XXXX  Please remove it from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXXXXXX XXXX. Account Number : XXXX Please remove it from my credit report. 
5. The following account is not mines. 
XXXX Account NumberXXXX Please remove it from my credit report. 
6. The following account is not mines. 
XXXX Account NumberXXXX Please remove it from my credit report. 
7. The following account is not mines. 
XXXXXXXX XXXX Account NumberXXXX Please remove it from my credit report. 
8. The following account is not mines. 
XXXXXXXX XXXX Account XXXX XXXX remove it from my credit report. 
9. The following account is not mines. 
XXXX Account XXXX XXXX remove it from my credit report. 
10. The following account is not mines. 
XXXX XXXX Account numberXXXX 1. The following account is not mines. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 


15 U.S. Code 1681b - Permissible purposes of consumer reports This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.

The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; I

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 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 's Letter to Navient 's CEO 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, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ). 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a XXXX XXXX claim with the Dept. of Education against The XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my Fed XXXX loans of XXXX were discharged and my credit has yet to be repaired. 
My XXXX XXXX Claim was also part of the XXXX XXXX XXXX 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 XXXX from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX 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 XXXX XXXX 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 XXXX " XXXX XXXX '' 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. Senator 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? XXXXXXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Netspend Corporation
State: CA

Complaint narrative:
I received a credit card named All-Access with a real credit card number and my name on it from Netspendallaccess. This was not requested by me. It seems like some scammer sold my personal information to a private bank and they issued me a credit card without my knowledge or request.

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 2024-05-01 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: VA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-01 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: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-01 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: CA

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 - XXXX {$6300.00} 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 non-monetary relief
Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and report instances of identity theft related to a fraudulent bankruptcy filing appearing on my credit report. Upon reviewing my credit report, I discovered a bankruptcy record that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into this unauthorized activity. 

Details of Identity Theft : Bankruptcy XXXX XXXX-Discharged Filed on XX/XX/2017 Reference number : XXXX -This filing has Nature of Dispute : Identity Theft/Bankruptcy Fraud -I did not file for bankruptcy, nor am I associated with the bankruptcy proceedings listed on my been fraudulently made using my personal information without my consent. 

I have already taken the necessary steps to report this instance of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into this fraudulent bankruptcy filing and take immediate action to remove it from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities. 

Please provide written confirmation once this unauthorized bankruptcy filing has been removed from my credit report. I also request a free copy of my updated credit report for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: Conn's, Inc.
State: GA

Complaint narrative:
I recently updated my personal information XXXX residential aaddress, phone number, angry the accounts with XXXX of the XXXX credit bureau agencies XXXX and XXXX. Because I recently wanted to get a store credit card to obtain furniture and appliances for a newly purchased home in XXXX Georgia and it keep getting denied I have great credit XXXX. To the fact that there have been queries many by me by mistake because I didn't understand the online process very well I'm in my XXXX. Still need to obtain store credit card to purchase appliances I want my credit profile fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
I recently updated my personal information XXXX residential aaddress, phone number, angry the accounts with XXXX of the XXXX credit bureau agencies XXXX and XXXX. Because I recently wanted to get a store credit card to obtain furniture and appliances for a newly purchased home in XXXX Georgia and it keep getting denied I have great credit XXXX. To the fact that there have been queries many by me by mistake because I didn't understand the online process very well I'm in my XXXX. Still need to obtain store credit card to purchase appliances I want my credit profile fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and report instances of identity theft related to a fraudulent bankruptcy filing appearing on my credit report. Upon reviewing my credit report, I discovered a bankruptcy record that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into this unauthorized activity. 

Details of Identity Theft : Bankruptcy XXXX XXXXXXXXDischarged Filed on XX/XX/2017 Reference number : XXXX -This filing has Nature of Dispute : Identity Theft/Bankruptcy Fraud -I did not file for bankruptcy, nor am I associated with the bankruptcy proceedings listed on my been fraudulently made using my personal information without my consent. 

I have already taken the necessary steps to report this instance of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into this fraudulent bankruptcy filing and take immediate action to remove it from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities. 

Please provide written confirmation once this unauthorized bankruptcy filing has been removed from my credit report. I also request a free copy of my updated credit report for review.

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 2024-05-01 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: NY

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: TN

Complaint narrative:
I tried calling experian and got no help in updating my name because there are several different variations of my name reporting on my credit report that's not correct

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: MI

Complaint narrative:
On XX/XX/year> I received a deposit of XXXX. I checked my account to move and process my funds and my account is frozen. I had a debt of XXXX XXXX To the company Knowledge my account is paid off, but I do not have access to my funds I have called multiple times and each time I get a mix story about my account. They tell me that my issue was emailed to a specialist to handle my frozen account. And I have yet to receive an email even regarding that my complaint was received. Credit karma

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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