vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: MD

Complaint narrative:
During a call with a Navient representative while trying to lower my monthly payments she said I would be excellent candidate for Navient 's private loan consolidation. I was very glad to hear this as I have been trying for many years to have my monthly payments lowered, and can tell Navient does not wish to truly help me because they have XXXX XXXX XXXX XXXX XXXX on my student loans. Despite years of payments my balances never seem to actually lessen and I'm struggling to keep up. Navient knows this and has known it for years. 

When the representative told me I should apply for the loan consolidation with her over the phone I asked if I honestly qualified and she said again I'm an excellent candidate. Not even XXXX seconds after she said she submitted the details she said, " Unfortunately you weren't approved for the consolidation. '' So, I was never a good candidate then, she used me and my financial desperation to hit her loan quota. 

Navient refuses to release my parents from my XXXX loans despite telling me I COULD release them. Navient guided me to apply for a consolidation under myself only knowing I'd be denied. Navient harasses my parents and I incessantly even when payments are scheduled. It never stops with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and will spend the rest of my life attempting to pay high interest loans to a loan servicer who refuses to help the consumer. Navient is a despicable, predatory company and I just want to be as far away from this company as possible. My goal is to refinance my loans with another servicer but because of my financial struggles to pay Navient and Navient 's disregard to assisting struggling borrowers, my credit is not in a place to refinance elsewhere. 

When will something truly be done about Navient? I only wish to reduce my monthly payments and am at a loss where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: 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. 

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 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  has 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 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 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a victim of identity theft /fraud I have report this over and over to XXXX XXXX and Bank or America and also XXXX XXXX I did not sign up for these cards. To save my credit score, I went on payment plans. I needed to move out of my home. I have an active DVRO against my ex wife. She likely signed up for these cards without my permission. I have reported this to all the credit card companies. I have reported Fraud through my XXXX account. These credit card companies call me repeatedly to a point of me having a break down. I can not afford the debt, and I did not sign up for these cards. I never gave approval. I never even held these cards in my hand. My court filings also state this. XXXX XXXX XXXX CA Case number XXXX XXXX XXXX XXXX XXXX XXXX I am demanding a copy of the application that was signed opening up this credit card. I want IP addresses, and proof from BOFA that I applied and wanted this credit card. I have never held it, used it, ever. This was opened by my ex wife without my permission! 

I demand proof that I opened this account, gave permission to open this account ( i did not ) and with a copy of the application with my signature. 


This is fraud committed by my ex wife. It does not matter if I lived under the same roof as her, I never gave permission to open any cards in my name! 

Please provide what I am asking for.

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 2023-01-29 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: TX

Complaint narrative:
This XXXX federal acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XXXX XXXX XXXX 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent XXXX XXXX a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to XXXX XXXX XXXX ( XXXX ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a XXXX to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life

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 2023-01-29 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: TX

Complaint narrative:
This XXXX XXXX XXXXt XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent XXXX XXXX XXXX XXXX XXXX XXXX that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a XXXX to file so i could file with the XXXX. A charge off is consider gross income according to the XXXX  and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life

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 2023-01-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This XXXX XXXX  acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent XXXX XXXX XXXX XXXX XXXX XXXX  that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a XXXX to file so i could file with the XXXX. A charge off is consider gross income according to the XXXX  and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -XXXX, XXXX - XX/XX/XXXX -EquifaxXXXX XXXX XXXX  XX/XX/XXXX -Equifax, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - XXXX, XXXX XXXX  - XX/XX/XXXX XXXX, XXXX XXXX  - XX/XX/XXXX - Equifax, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX - XX/XX/XXXX - Equifax,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX -Experian, XXXX  - XX/XX/XXXX -XXXX, XXXX  XXXX XX/XX/XXXX -XXXX, XXXX XXXX XXXX - XX/XX/XXXX - Experian, XXXX - XX/XX/XXXX - Experian, XXXX XXXX  - XX/XX/XXXX Experian, XXXX XXXX  - XX/XX/XXXX - XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX Experian, XXXX - XX/XX/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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Incorrect information was not removed on Credit Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Incorrect information was not removed on Credit Profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting XXXX, XXXX, and Transunion request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX  XXXX AND XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting XXXX, Equifax, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under XXXX XXXX. XXXX ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX  XXXX AND XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Kriya Capital, LLC
State: IN

Complaint narrative:
This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$690.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence bearing my signature showing that the account is being reported accurately. 
Be advised that the deception of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name address and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof bearing my signature. 
As per FTC opinion letter from attorney, XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the consumer financial protection bureau and the attorney generals office. Should you continue in your non compliance of federal laws under the fair debt collection, practices act, the fair credit reporting act in the corresponding local state laws. I further remind you that you may be liable for your willful non compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : - defamation -negligent enablement of identity fraud -Violation of the fair credit reporting act, ( including but not limited to section 807-8 ) -Violation of the fair credit reporting act, ( including but not limited to section 623 -b ) You will be required to appear in a court being used local to me in order to formally defend yourself.

P S. Please be aware that, depending on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I paid off a promotion plan in full with the exact amount of XXXX ( see statement ). The entire amount should have been applied to the promotion. Instead, Comenity applied all but a certain amount toward another promotion plan. This caused the expiring plan to go past the expiration date with a balance. The account suffered the added balloon finance charge. When I noticed that the balance did not go down, I contacted Comenity to resolve the error. At first, it seemed like Comenity would strive toward doing the right thing, Instead, they reneged on an agreement to assist me and refused to make it right after several attempts and pleas on my part. I was left with no choice but to contact my attorney. The attorney attempted to reach out to Comenity twice and twice Comenity ignored my attorney. It wasn't until recently that Comenity sent a letter to my attorney stating they didn't know who I was. I contacted the bank on XX/XX/XXXX to find out what they needed and once again Comenity was not helpful. XXXX of customer service transferred me to XXXX in another department, who transferred me back to customer service where XXXX took the call. I explained for the third time what I needed and XXXX informed me that my account was frozen because an attorney contacted them. When I asked XXXX why was that the case, his glib reply was, " because that's how the bank works. '' when I asked XXXX for the previous year 's statements, XXXX proceed to assume I didn't know what I was talking about when I informed him that the statements were not visible on the site. XXXX proceeded to tell me to write a letter to their XXXX XXXX XXXX he had the statements on his screen. I still don't know why they could not identify me. According to my attorney, Comenity Bank is the worst company to work with to get customer resolutions.

Company response to consumer: Closed with explanation