vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I AM EXTREMELY UPSET BECAUSE THIS IS STARTING TO BECOME A BURDON TO ME. I HAVE BEEN DISPUTING THIS ACCOUNT WITH XXXX FOR THE LAST YEAR OR SO AND TO NO AVAIL THESE INCORRECT ITEMS FROM XXXX XXXX AND LVNV XXXX REMAIN ON MY CREDIT REPORT. FIRST AND FOREMOST BOTH ACCOUNTS ARE A RESULT OF IDENTITY THEFT, SECONDLY XXXX IS IMPROPERLY REPORTING BOTH. BOTH ACCOUNTS HAVE BEEN RE-AGED WHICH IS A FCRA VIOLATION. XXXX IS REPORTING THAT THE DATE OF FIRST DELINQUENCY IS XX/XX/2020 YET IN THE PAYMENT HISTORY IT STATES THAT THE PAYMENT HISTORY WAS ON TIME FOR THAT MONTH AND SO FORTH. XXXX WHICH IS ALSO REPORTING THIS DEBT AT THE SAME TIME AS XXXX IS REPORTING A DIFFERENT DATE OF FIRST DELINQUENCY AS XX/XX/2020. IF XXXX IS THE ORIGINAL CREDITOR AND LVNV IS IT'S SUCCESSOR HOW CAN THE DATE OF FIRST DELINQUENCY BE REPORTED DIFFERENT FOR BOTH ACCOUNTS? THIS IS ALSO BLANTANT FRAUD OF XXXX AND XXXX 'S BEHALF AND I WANT BOTH ACCOUNTS REMOVED IMMEDIATELY. THEY BOTH HAVE HAD ENOUGH TIME WITH ALL OF THE DISPUTES I HAVE SENT IN TO REMOVE THESE ACCOUNTS. XXXX, XXXX AND XXXX XXXX HAVE ALL VIOLATED SEVERAL CHAPTERS OF THE FCRA INCLUDING BUT NOT LIMITED TO SECTION 623 ( a ) ( 6 ) and 1681 ( c ) ( 1 ) running of reporting period. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND A COPY OF THE CROPPED CREDIT REPORT PULLED FROM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I am a co-signer for a student loan and I wish to no longer receive calls about the loan because I am retired and not working. However, I know the borrower has been making payments but I should not be associated with the lender anymore and I like to be removed from their call list. These private lenders are too aggressive when reaching out to XXXX  persons and I can not keep track of their arrangements with the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Last year there was a lawsuit announced regarding the Attorney General  XXXX XXXX XXXX XXXX XXXX XXXX Navient. Also, there were also XXXX State Attorneys General announced a {$1.00} Billion Settlement with Student Loan Servicer Navient private loans. However, I was eligible for private loan debt cancellation because the school I attended was on the list. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. In addition, the list of these for-profit schools is shown in the attachment below. 

The settlement was led by 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 

However, I applied and still wasn't able to get my loan canceled in this lawsuit. In addition, Navient will pay {$140.00} XXXX  to the attorney general. A total of {$95.00} XXXX in restitution payments of about {$260.00} each will be distributed to approximately XXXX federal loan borrowers who were placed in certain types of long-term forbearances. Yet, borrowers who will receive restitution or debt cancellation span all generations : Navients harmful conduct impacted everyone from students who enrolled in colleges and universities immediately after high school to mid-career students who dropped out after enrolling in a for-profit school in the early to XXXX. 

On the other hand, this settlement includes conduct reforms that require Navient to explain the benefits of income-driven repayment plans and to offer to estimate income-driven payment amounts before placing borrowers into optional forbearances. Additionally, Navient must train specialists who will advise distressed borrowers concerning alternative repayment options and counsel public service workers concerning XXXX XXXX XXXX XXXX ( XXXX ) and related programs. The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers. Navient will also cancel more than {$1.00} XXXX in subprime private student loans owed by approximately XXXX borrowers nationwide. Californians will receive around {$260.00} XXXX of that debt cancellation, going to approximately XXXX borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm is unwilling to cancel a loan for a product that was never received. The merchant used predatory lending tactics against me a Senior Citizen. They are threatening my credit and Im concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: FL

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 XXXXXXXX, 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 an 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 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 2023-08-25 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:
In accordance with the Fair Credit Reporting Act XXXX Account 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 intrusions. 
XXXX. XXXX XXXX XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXX XXXX XXXX XXXX  Balance Contacted the Buraus to notify not my account. XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. XXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. XXXX XXXX XXXX  Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXXXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have asked Equifax to provide me with proof that i was late on the dates they are reporting, however, they haven't provided the information or corrected the problem by updating as paid ok. the dates that are incorrectly reporting are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, they are reporting XXXX lates in a XXXX ( month ) day period, this is impossible! This is incorrect inaccurate credit reporting and slandering my reputation as well causing me to be denied for loan products. please provide proof documents of the reported late payments or update to paid OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX, Account # 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.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX responded to CFPB that XXXX XXXX XXXX  reporting is not on my credit reports but it is XXXX XXXX and Equifax should remove XXXX XXXX XXXX  reporting immediately from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: DC

Complaint narrative:
XXXX responded to CFPB that XXXX XXXX XXXX  reporting is not on my credit reports but it is XXXX Experian and XXXX should remove XXXX XXXX XXXX  reporting immediately from my credit reports

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: First Technology Federal Credit Union
State: NY

Complaint narrative:
To Whom it May Concern : I am very concerned that First Tech Federal Credit Union have violated the Fair Credit Reporting Act by placing a hard inquiry on my XXXX credit report without my consent. The FCRA permissible purpose provisions specify that you must document your reasons as well as my consent for placing a hard inquiry on my report or remove the inquiry. Please have First Tech Federal Credit Union provide documentation of my consent for any inquiries placed on my credit report or remove them immediately. 

Thank you, 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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: GA

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork per the FCRA and sent it with my dispute to the credit agencies to remove the accounts. They did not attach the paperwork properly and did not follow the law. And I was not given copies of the verification process like the FCRA says Im supposed to get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Address on report that are not mine

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
WELLS FARGO claimed they emailed my monthly statement. I have no record of receiving it. This is not the first time this has happened. The last time they agreed to waive the LATE FEE and interest. This time they said it could not be done.

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 2023-08-25 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: TX

Complaint narrative:
Equifax is keeping me from restoring my life as a victim, I have consulted with an advocacy group who helped me submit documents in order to help with my situation. I am very displeased that Equifax has failed to correct this information. I attest that I am a victim of in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX which was a XXXX account was closed and then XXXX sold it to Synchrony, which has now been changed to something else. The website is down, you can not make a payment or get access to any synchrony accounts : Including JC PENNY and Care Credit. The online chat is no help the person just said refresh and try a new browser. The phone number provided is no longer in service. Neither company can find my XXXX XXXX Account, which has happened many times in the past. It was an online bill pay which got messed up, but since resolved. They do not send paper bills any longer and the online services are not accessible. Synchrony has been a problem from day 1 when they bought my account. The emails that are sent to say your bill is due, provide a link which is no longer in service. There is no way to make any payments, but they will charge a late fee and past due.

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 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 2023-08-25 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: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I received no statements from USAA from XXXX - XX/XX/. They did send me past due notices. I called the company and no one knew why this was happening. I began sending letters to the CEO asking what was going on ( copies available on request ) There was only a form letter response. When a statement did arrive it included late fees and penalties. I wrote again and again only received a form letter. Finally, I filed a complaint with you. They responded to you. However, their response does not take into account the eight months without any communication from them. All they needed to do was answer my initial letter with an explanation and an apology. 
This could have been settled in XXXX. Instead it went on and on with me owing more every month even though I haven't used my card at all this year. USAA has stonewalled me, shown a lack of training among its representatives and dismissed my attempts to find out why they were adding to my bill as if they were unimportant. Their inability to communicate meant that they kept adding fees without any reason, even after I reached out to them. Oh, by the way, they wouldn't let me into the website because the automated system wasn't programmed to send a text to non-US numbers. This disaster is their fault and they need to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: FL

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. XXXXXXXX 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 an 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 non-monetary relief