vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have been in repayment of my student loan ( FFELP ) for 35 years. The loan has been serviced by Sallie Mae and by Navient, and was transferred to XXXX, effective XX/XX/XXXX. I have been enrolled in an income-based repayment plan for some time now, after I spent many, many years in either deferment or forbearance programs offered through Navient. I was guided into forbearance and deferment due to financial hardships but was never informed by Sallie Mae or Navient that other income based programs were available to me. I borrowed {$27000.00}, and the loan was consolidated in XXXX at 9 % interest. Over the past 35 years, I have repaid approximately {$82000.00} on the loan, but I still owe upwards of {$140000.00}. 
I am now XXXX XXXX XXXX, work for myself part-time as a social worker and collect social security. I have never been able to own my own home because of the debt I carry from my still-growing student loan debt. I hoped that I might qualify for some forgiveness but having a FFELP loan always complicated my attempts to enter a loan-forgiveness program, even when I applied to enter the loan forgiveness program around XXXX or XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but denied due to my having a FFELP. I contacted Navient to ask about loan forgiveness. I was sent an application to apply for the Public Service Loan Forgiveness program. I was told that I would have to have my loan refinanced and apply. I am self-employed and do not work for non-profits, the government or agency-setting that meets the criteria for the loan forgiveness program. Moreover, I do not want to re-finance a {$270000.00} that has ballooned to {$140000.00} That sad part, for me, is that I will die before this loan will ever be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Date : XX/XX/year> To : Whom it may concern, Subject : Request to Update Current Address and Remove Outdated Addresses Dear Sir/Madam, I am writing to formally request the update of my current address and the removal of all outdated or inaccurate addresses from my credit report. As mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, your agency is required to maintain accurate and up-to-date information on my credit profile. 

Current Address ( to be updated on my report ) : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX Outdated or Incorrect Addresses ( to be removed ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have enclosed a copy of my government-issued identification as confirmation of my current address. 

Please update your records accordingly and confirm the removal of outdated addresses from my credit file. I would appreciate receiving written confirmation of these changes within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your timely response and confirmation of these updates. 

Sincerely, 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past two months, I have consistently reached out to your company about this matter and I haven't gotten any response.

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 2024-09-23 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate information that has been continuously verified as accurate by XXXX, XXXX, and Equifax, despite my previous disputes. This ongoing reporting of incorrect data violates the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) and 623 ( a ), which mandate the removal of unverifiable or inaccurate information. 

I have attached evidence proving that the information in question is inaccurate, and the credit bureaus have failed to correct it. This is a clear violation of my consumer rights. I urge you to promptly investigate the attached proof and remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I am XXXX and recently XXXX XXXX XXXX with Chase Bank Inc following their standard process. The credit card and statements show correct, however all card services menus online still have my XXXX XXXX and Ive had representatives use my XXXX with me on the phone multiple times after I asked them to stop. 

I have called 16 times and submitted 5-6 different tickets in writing at their request. I have requested they escalate and they continue to give me the run around. They are requesting I call again and dont seem to have any accountability to get this fixed. 

I have been disconnected multiple times after disclosing that the reason for the name changes is I am XXXX  This has not happened the phone calls I did not disclose the reason for the name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NJ

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX.

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 2024-09-23 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: FL

Complaint narrative:
XXXX  XXXX XXXX account and XXXX where are fraudulent accounts on my credit file

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 2024-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
I have made repeated requests to Flagstar bank that they conduct all communications electronically. 

Although I have asked that they not call me and that they contact me only by email, Flagstar bank continues to call my phone. 

Although I have signed up for all communication to be electronic ( i.e. via email ), the bank has not emailed me a single mortgage bill since we got our loan in XX/XX/year>. 

Flagstar bank submitted NO request that I provide updated proof of home owner 's insurance, but they did send USPS mail to my home advising me that plan to purchase hazard insurance on my property. 

Flagstar routinely ignores my request to contact me electronically and threatens me with the forced purchase hazard insurance.

If Flagstar bank would simply comply with their own policies, to contact customers per their preferred contact method ( electronic communication for me ), they could advise me by email that they want a copy of my updated insurance information.

Instead of contacting me via my preferred method of contact, Flagstar has mailed me threats that they will purchase forced place insurance that I must pay 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 2024-09-23 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: GA

Complaint narrative:
I am writing to formally express my concern regarding the unresolved disputed accounts on my credit report. Despite multiple requests for thorough investigation into the inaccuracies, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely affecting my credit file, causing considerable hardship and hindering my ability to manage my financial responsibilities. The ongoing presence of these inaccuracies has created significant challenges in my personal and financial life. 

I kindly request that you immediately investigate the reporting of these disputed accounts and take the necessary steps to update and rectify my credit report without further delay. It is crucial that these inaccuracies be addressed to restore the accuracy and integrity of my credit file. 

I sincerely urge you to treat this matter with the utmost urgency and appreciate your cooperation in resolving this issue swiftly. 

Thank you for your attention to this critical matter.

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 2024-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX  XXXX, # XXXX 15 U.S.C 1681 sectio

n 602 A. States I have the right to privacy. 15 U.S.C.1681 section 604 A S
ECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to XXXX XXXX XXXX the list of account below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 
15 U.S.C.1681 section XXXX A SECTION XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681S-2 ( a ) ( XXXX ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-09-23 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: NV

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 non-monetary relief
Consumer complaint received 2024-09-23 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: MD

Complaint narrative:
I recently viewed a copy of my credit report. I notice items on my credit report that dont belong to me. These items are greatly impacting my ability to be to move. Get a house. Please remove these fraudulent account from my account right away please

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This deceptive, incorrect, and false information consists of : FRAUDULENT ADDRESSES : 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 XXXXXXXX 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 XXXXXXXX FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$380.00}. XXXX. XX/XX/XXXX XXXX XXXX. {$4300.00}. XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX {$7300.00} These accounts have resulted in multiple fake collections showing on my consumer XXXX credit record. I've attached a list of the ACCOUNTS/ADDRESSES in concern as well as a copy of the consumer XXXX credit report maintained by you which indicates the aforementioned false things. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections shown on my consumer credit record maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the consequence of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as documentation from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the product of identity theft and fraud.

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 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got my phone stolen on XX/XX/year> while in XXXX XXXX, CA around XXXX while leaving the bar. I noticed right away. The next morning XX/XX/year> I went to chase bank to have them cancel my card. There was a charge on my credit card for {$1500.00} at the XXXX XXXX. This payment was not me. I had XXXX XXXX on my phone that the thief used. 

Following going to chase bank I went to the police station to submit a police report. I reported this charge as fraud when I gained access back to my account. The charge was originally taken away. I was informed that they found this charge " valid '' and that the charge will be placed back on my card. I called customer service for weeks asking what I could do. I submitted my police report on XXXX. They said this was not enough information even though they said it would be. 

I just opened by credit card back in XXXX. I never had high chargers like this one. The customer service team is not helping me resolve this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-23 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. XXXX Account number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, 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