vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. There is an inaccuracy in my credit file ; kindly eliminate it. Compensation of {$1000.00} per incorrect reporting is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I borrowed {$78000.00} in Private Student Loans from Sally Mae. These loans were assumed by Navient. 
I have, to date, paid back over {$86000.00} - paying more than the original principle. 

I am currently dealing with an identity theft case where someone took out {$48000.00} in student loans in my name in California ( I live and have been living in Tennessee during this time period ). These were XXXX Federal Loans and I am working with police and the government to prove this fraud. It has nothing to do with Navient or private loans. 

But Navient, without my permission, capitalized interest on my loans. 
They now show that I owe them ( the principle amount ) {>= $1,000,000} This has created an undue burden on my ability to pay my bills. And they are now wanting to place me into default. 

Yet they claim that if I wanted to pay these loans off today, my principle is {$140000.00}. 
This is clearly abusive and has created undue financial strain as they have increased interest payments to 17 %, and now require a monthly payment on par with a home mortgage. 

How can I, after having paid them for 14 years, having paid over {$86000.00} to them, owe them TWICE as much as when I began? 

Add that the school was closed and they were sued for misleading students. 
I was told they were accredited and they WERE NOT. I have a degree that has been USELESS in assisting me in finding meaningful, steady employment. That I can not use to continue my education should I seek. And I have ALREADY paid back and then some. 

And Navient is harassing me. I get 6-8 phone calls a day. My co-signer gets 6-8 phone calls a day. And the come from in-state numbers with no identification. 

I want the harassment to stop! I want them to dismiss my loans as I have ALREADY paid them {$7100.00} more than original principle. I want them to remove the negative credit reporting from my credit bureau and my co-signer 's credit bureau. 

I have all of the documentation ( statements, tax documents, etc... ) and am more than happy to share them with any agent ( s ) you assign to investigate my case. I believe this to be a clear case of predatory lending, harassment, and clear misuse of their authority to manage my loans. 

Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
For the past several years, I have received calls about an XXXX XXXX XXXX XXXX. The company never sent a bill to my current address until I placed a security hold on my credit bureau accounts after someone attempted to use my information to open an account in my name. 

I have called XXXX XXXX XXXX to determine if I have had a balance on my old account that was sold to this company. I have not done business with XXXX XXXX XXXX since XXXX or XXXX. When I called, there was no balance found nor did they have record of a debt that was sold to this company. 
I recently received a letter dated XX/XX/XXXX from the company regarding my credit bureau hold. I have received multiple calls to my cell and home phone ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) and 2 text messages from XXXX on XX/XX/XXXX. 

I don't know what to do at this point. This company filed to XXXX, which I disputed and it was removed, and XXXX, which I disputed and I am waiting for a decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 PER 15 USC 6801, CREDIT REPORTING AGENCIES HAVE THE RESPONSIBILTY OF PROTECTING MY PERSONAL INFORMATION. XXXX IS IN VIOLATION, AND MY PERSONAL INFORMATION/IDENTITY BEING LEAKED AND FALSELY UTILIZIED IS AFFECTING MY ABILITY TO OBTAIN CREDIT I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-05-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2024 To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XXXX XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX, and here is my tracking number : XXXX from USPS On XXXX XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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 ( i ) the information is, in fact, inaccurate.

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2024-05-15 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX refused my payments and then charged off the account. They have ignored the cease and desist letter sent regarding the charged-off account and are continuing to report the account to the consumer reporting agencies which is a direct violation of the cease and desist letter and the Fair Credit Reporting Act ( FCRA ). Equifax continuing to report this information is collusion with XXXX XXXX to violate my consumer rights and is grounds for legal action/arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Avant credit Information missing from credit report. To remove all hard inquiries with three credit bureaus as deceptive and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-15 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: VA

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-05-15 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 PER 15 USC 6801, CREDIT REPORTING AGENCIES HAVE THE RESPONSIBILTY OF PROTECTING MY PERSONAL INFORMATION. XXXX IS IN VIOLATION, AND MY PERSONAL INFORMATION/IDENTITY BEING LEAKED AND FALSELY UTILIZIED IS AFFECTING MY ABILITY TO OBTAIN CREDIT I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-05-15 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 PER 15 USC 6801, CREDIT REPORTING AGENCIES HAVE THE RESPONSIBILTY OF PROTECTING MY PERSONAL INFORMATION. EQUIFAX IS IN VIOLATION, AND MY PERSONAL INFORMATION/IDENTITY BEING LEAKED AND FALSELY UTILIZIED IS AFFECTING MY ABILITY TO OBTAIN CREDIT I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-05-15 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: TX

Complaint narrative:
I called TransUnion today again to follow up on my previous complaints. I have been reporting identity theft since last month ( XXXX ) and they keep on saying that CFPB never forwarded my documents to them. I was told different things. On XX/XX/2024, I was told by the agent that they would remove the fraud inquiries from my report within 24-48 hours but until today, they are still there. 

She gave me this number as confirmation, File # XXXX. 

Today, XX/XX/2024, I called again and spoke to the supervisor and they said that they can't remove the fraud accounts because they did not receive my FTC report, which was crazy because I reported this for the 3rd time now and uploaded my FTC last month through CFPB. You told me that you forwarded the documents, right? How come they're saying it's not on their system? 

Who's lying? 

Please remove the account freeze and fix my XXXX report. It's not showing anywhere.

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 2024-05-15 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: TX

Complaint narrative:
I called XXXX today again to follow up on my previous complaints. I have been reporting identity theft since last month ( XXXX ) and they keep on saying that CFPB never forwarded my documents to them. I was told different things. On XX/XX/year>, I was told by the agent that they would remove the fraud inquiries from my report within 24-48 hours but until today, they are still there. 

She gave me this number as confirmation, File # XXXX. 

Today, XX/XX/year>, I called again and spoke to the supervisor and they said that they can't remove the fraud accounts because they did not receive my FTC report, which was crazy because I reported this for the 3rd time now and uploaded my FTC last month through CFPB. You told me that you forwarded the documents, right? How come they're saying it's not on their system? 

Who's lying? 

Please remove the account freeze and fix my Equifax report. It's not showing anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
I called XXXX today again to follow up on my previous complaints. I have been reporting identity theft since last month ( XXXX ) and they keep on saying that CFPB never forwarded my documents to them. I was told different things. On XX/XX/2024, I was told by the agent that they would remove the fraud inquiries from my report within 24-48 hours but until today, they are still there. 

She gave me this number as confirmation, File # XXXX. 

Today, XX/XX/2024, I called again and spoke to the supervisor and they said that they can't remove the fraud accounts because they did not receive my FTC report, which was crazy because I reported this for the 3rd time now and uploaded my FTC last month through CFPB. You told me that you forwarded the documents, right? How come they're saying it's not on their system? 

Who's lying? 

Please remove the account freeze and fix my XXXX report. It's not showing anywhere.

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 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Faloni Law Group
State: NJ

Complaint narrative:
My father prior to his XXXX in XXXX had opened numerous credit account without my knowledge, and was paying on theses accounts monthly. When he passes away we started getting phone calls from the various card companys demanding payment. It was then we realized what had happend and do not have the ability to pay off his dept.

Company response to consumer: Closed with explanation