vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
I am writing to address the inclusion of unauthorized accounts on my consumer report, which have been linked to identity theft. I never provided written authorization, including a wet signature, for their inclusion. This matter was recently discussed with your organization, and I am formally requesting the immediate blocking and removal of these accounts from my report. 

The presence of these unauthorized accounts has caused me significant emotional and financial distress. They inaccurately represent my credit history and responsibilities, hindering my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek resolution.

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 2024-05-21 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: TX

Complaint narrative:
I am writing to address the inclusion of unauthorized accounts on my consumer report, which have been linked to identity theft. I never provided written authorization, including a wet signature, for their inclusion. This matter was recently discussed with your organization, and I am formally requesting the immediate blocking and removal of these accounts from my report.

The presence of these unauthorized accounts has caused me significant emotional and financial distress. They inaccurately represent my credit history and responsibilities, hindering my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek resolution.

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 2024-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As a matter of fact, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ) was investigated. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans were discharged and my credit repaired. 

My Borrower Defense 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 XXXX for profit schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR 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 Borrower Defense 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 FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with 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. XXXX 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have held this credit card for over a year and have had no late payments, have used it quite a bit, and have also had no late payments on any of my credit accounts for years. On XX/XX/XXXX I submitted a {$2000.00} payment on my credit card that was at {$2800.00} ( at the limit ). A couple days later on XX/XX/XXXX they sent out my statement and at the same time a letter saying that they are reducing my limit down from {$2800.00} to {$960.00}. Which was left me just under {$30.00} of available credit, after making this {$2000.00} payment. In using this card for years and under the expectation I would have that credit line available to me, it is extremely damaging to my finances to completely unexpectedly lower my credit limit. On top of this, they stated it was based on a credit report that was pulled in XX/XX/XXXX ( over three months ago ). I'm not sure why they would do this, as I've been a loyal and timely customer, gainfully employed, they have maken plenty of interest off of my account no problem with me paying. It is a shock, as I'm trying to reduce my overall credit utilization across my cards, that now this card is basically reporting 100 % credit utilization, when it should have been down to 25ish % based on the credit line and how much I paid. I called them today on XX/XX/XXXX and they say they regularly do this every 3 months and I could ask for a credit line increase, so I asked to be restored to my original and never changed credit line of {$2800.00}, which they declined on the phone. Furthermore, when I called on XX/XX/XXXX to make the payment, there was nothing said about any review of my credit line or creditworthiness or anything like that. Ideally I would want the credit line restored back to normal, though I really don't want to pay another XXXX to this company. But I fear that if I pay it and close it out, it will further hurt my credit as a closed account. Please help with this 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 explanation
Consumer complaint received 2024-05-21 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've recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-05-21 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: LA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-05-21 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: LA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I tried signing up with some credit bureaus so I cant check my credit report but for some unknown reason the companies are not allowing me creat an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: SC

Complaint narrative:
They allowed money to go in my account but wouldn't let me withdraw the money, but claim their banking services are messed up. If that were the case then why would they allow money to go in knowing I couldn't get it back out. That's corrupt. The deposit was made after there XX/XX/XXXX financial situation with other banks, it's not my problem they are under investigation but that doesn't mean you can freeze customers accounts over their wrong doings..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: ProCollect, Inc.
State: GA

Complaint narrative:
Auto loan has been placed on my tranunion and its not my account Also a apartment

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
My account is with Marcus by Sachs. My old balance and account shows as open on XXXX. I made a dispute and XXXX has reaffirmed the information. Although its inaccurate. Goldman Sachs has sold my account back in XXXX of 2023. Now both this account and the other account with the same account details show up on my credit report and it looks like I have more loans than I actually do, since its the same loan. Its negatively impacting my credit. I would like this removed from my credit report as they are no longer my creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
As I was in the process of shopping for a new car I noticed as I pulled my credit I noticed that they charged off this account on my credit and I've never received a 1099 form, I need this form to be sent to me

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have asked for an updated credit report and can not access this online at the company 's site. I called and it's impossible to get someone to respond

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 2024-05-21 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Sychroncy bank has been accessing my credit file without permission, and took adverse actions against me based on these violations. i have several accounts with them and they proceeded to us my non public information against me, which is a violation

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 2024-05-21 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: UT

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked for an updated credit report and can not access this online at the company 's site. I called and it's impossible to get someone to respond

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My Venmo Account was Frozen with a positive balance for no reason, closed that account transferred the balance to my primary account. Then I opened a New Account and Venmo decided that they no longer support my primary bank account anymore so they decided after I tried to link my debit card they froze my account again I have dealt with venmo for over 5 years and never encountered this problem before I have customers, Family and Friends that send me money through venmo. I had a payment sent to me from a customer on Friday and he couldn't send it, so I had the customer send it to my friends Venmo Account and the same thing happened they froze his account as he was told they were going to expedite the issue and the money would be available for withdrawal later that day, they lied and his account is still frozen, so basically I am still waiting for the account to be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..

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 2024-05-21 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: DigniFi
State: NY

Complaint narrative:
As I was in the process of shopping for a new car I noticed as I pulled my credit I noticed that they charged off this account on my credit and I've never received a 1099 form, I need this form to be sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
As I was in the process of shopping for a new car I noticed as I pulled my credit I noticed that they charged off this account on my credit and I've never received a 1099 form, I need this form to be sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CARD Corporation
State: MA

Complaint narrative:
My debit card from card.com was used by somebody else in XXXX Tennessee I have been contacting the company almost everyday on the phone. I still can't reach their investigation team or been able to speak with a manager. I have sent countless emails to their support team asking for support or an explanation and have not received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: NY

Complaint narrative:
Hello dear credit Bureau, I have noticing an error on this account. Ive been reporting it and it havent been fixed yet.

And this error is obstructing my ability to obtain credit or having a credit on a good standing To have the initiation of buying a house on the near future. 

1st. Account type default is not showing the exact account type on one of the credit bureau please I want that to be fixed 2nd. the open dates are not being accurate on these account please fix it so I can get a good standing on my credit.

3rd. The last reporting day on one of the account is not the correct I would like for you to fix it 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX )/ XXXX XXXX XXXX ( XXXX ) continue to violate my rights as a consumer by participating in fraudulent debt collection practices, intentional violating the Fair Debt Collection Practices Act by failing to provide debt validation within 30 days when requested, failing to investigate and provide findings after investigation, and also continue to attempt to collect on the alleged debt from the year XXXX until XXXX. I have begun receiving calls from unauthorized 3rd party debt collection companies in regard to the fraudulent accounts that are listed on all of my consumer credit reports and files, my police report, FTC report, and affidavits due to XXXX negligence and fraudulent practices. XXXX is damaging my reputation and credit worthiness by not following the FDCPA through furnishing info to the credit bureaus that can not be validated and also sharing my Non-Public Personal Information with unauthorized 3rd parties without my consent. Please find attached to this complaint my identifying information such as my driver 's license, social security card, utility bill, identity theft police report and affidavit filed in XXXX, copy of fraudulent credit reporting on XXXX credit report, copy of FTC report and affidavit sent to XXXX in XXXX, copy of written communication mailed to me about alleged XXXX debt from an unauthorized 3rd party collection company, and a copy of XXXX alleged debt validation response in 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