vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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:
MY EX BOYFRIEND OPENED UP ALOT OF STUFF IN MY NAME WITHOUT MY AUTHORIZATION OR PERMISSION. THIS IS NOW REALLY EFFECTING MY LIFE ALOT AND I JUST WANT THIS STUFF TAKEN OFF MY CREDIT.

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 2025-01-04 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: CA

Complaint narrative:
MY EX BOYFRIEND OPENED UP ALOT OF STUFF IN MY NAME WITHOUT MY AUTHORIZATION OR PERMISSION. THIS IS NOW REALLY EFFECTING MY LIFE ALOT AND I JUST WANT THIS STUFF TAKEN OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: Westlake Services, LLC
State: FL

Complaint narrative:
There is a truck loan on my credit report that does not belong to me. I have contacted Western Funding and explained that I never took out any car loan. Also, my license was suspended and I have reported the matter to the authorities. I need this truck loan removed from my credit because it does not belong 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 2025-01-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Formal Complaint of Violations : Under Federal Privacy and Consumer Protection Laws Parties Involved : XXXXXXXX XXXX XXXX XXXX USAA Federal Bank XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and Other Third-Party Agencies Allegations : Violation of Privacy Laws ( 15 USC 6802 - XXXX XXXX XXXX XXXX XXXX XXXX and USAA failed to obtain express consent before sharing my personal financial information with third-party entities. 
These institutions did not provide an opportunity to opt out, as required under federal law. 
Unlawful Reporting of Consumer Information ( 15 USC 1681b - Fair Credit Reporting Act ) : Credit reporting agencies furnished my consumer reports without a permissible purpose as defined by FCRA. 
Derogatory information was reported on my credit file without written consent or authorization. 
Extortion and Conspiracy ( 18 USC 894 - Extortionate Credit Transactions ) : XXXX XXXX and USAA allegedly conspired with credit agencies and third-party collectors to extort payments and punish me through the use of derogatory credit reporting. 
This action constitutes extortion and has caused significant harm to my financial standing and personal well-being. 
Identity Theft and Unauthorized Information Sharing ( 18 USC 1028A - Aggravated Identity Theft ) : My sensitive information was mishandled, traded, and sold for profit by these institutions and associated agencies. 
These acts were performed without my consent or lawful authority. 
Supporting Facts : The information shared with third-party entities was done without providing an opt-out mechanism or obtaining my consent. 
Derogatory information remains on my credit reports despite no permissible purpose for the initial furnishing of the data. 
My personal and financial information has been exploited for profit, with no communication or agreement on my part to authorize such use. 
Legal Violations : 15 USC 6802 : Failure to ensure privacy and consumer consent for sharing financial information.

15 USC 1681b : Furnishing consumer reports without permissible purpose. 
18 USC 894 : Extortion through punitive credit reporting practices.

18 USC 1028A : Misuse of sensitive personal information without lawful authority.

Requested Remedies : Immediate cessation of sharing, trading, or selling my personal and financial information. 
Removal of all derogatory information from my credit reports. 
A formal investigation into the practices of XXXXXXXX XXXX USAA, and involved third-party agencies. 
Compensation for damages incurred due to these violations, including but not limited to financial loss, emotional distress, and legal fees. 
Assurance of compliance with federal privacy and consumer protection laws moving forward.

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 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CT

Complaint narrative:
Put into XXXX plan for loan repayment at suggestion of dept of XXXX XXXX with payments through XX/XX/year>XXXX XXXX count in XXXX was XXXX Put into admin forbearance when loan services was changing platform XX/XX/year> Then put into forbearance again in XXXX, due to XXXX  injunction. 
Verified employment through XXXX on XX/XX/XXXX XX/XX/XXXX applied to buyback XXXX and XXXX to read XXXX No response XX/XX/XXXX asked to update payment count as XXXX loan didnt have XXXX as counting. 
Response from XXXX was that it was updated ( it wasnt ) Applied mid XXXX to change XXXX  plan. No response. 
Applied for XXXX again XXXX XXXX. 

I have been waiting for my buyback request to be processed as I have XXXX payments verified for XXXX  on 3 loans. 
I have been waiting for them to count XXXX for 3rd loan ( currently, XXXX is not even listed just skips from XXXX to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I started with Lexington Law in XXXX to get my credit repair and I paid them for 2 years and my credit was never repair so I cancel them after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
On XX/XX/XXXX I sumbitted a buyback request for time periods in XXXX that should count towards PSLF because I was employed at a qualifying employer and these should have been reflected in the updated count. However, I never received a response on this " buyback '' and reconsideration request. If the payments were calculated correctly, I would have been at 120 payments and my loans would have been discharged under PSLF. 

On XX/XX/XXXX, I submitted another employment certification and my qualifying payment count was updated to XXXX. On this day, I also submitted a complaint that my original buyback and reconsideration request was not acted on within the 45 day time period. I was told to contact XXXX. XXXX responded that I had 7 months in forced post enrollment forebearance that should count given that I have qualifying PSLF employment but that the Department of Education needed to address this now that they are administering the PSLF program. So, on XX/XX/XXXX I submitted another buyback request for those 7 months. I still have not recieved a response from the buyback/reconsideration request from XX/XX/XXXX. When I contacted the Dept of Education on XX/XX/XXXX they said that my XX/XX/XXXX buyback request review was completed, but I still have not received any communication on whether any of my requests have been approved or denied and the one-time account adjustment for forced forebearnace was never applied to my account. If the Dept. of Education applied the counts correctly, I would be over 120 qualifying payments for PSLF.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 2025-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I recently accessed the Huntington Bank mobile application to make my monthly mortgage payment and was alarmed to discover that the amount had unexpectedly increased from {$3500.00} to {$4100.00}. I was not notified of this change or provided with any explanation. Upon contacting the bank, I was informed that my property tax had purportedly increased from {$6500.00} to {$11000.00}. 

What is particularly concerning is that this substantial increase in taxes appears to have been implemented without verifying the adjustment with XXXX XXXX. This oversight could have serious financial repercussions, as it risks causing missed payments and negatively impacting my credit score had I not noticed the error. Such a lack of communication and due diligence is deeply disappointing and undermines trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-04 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: NC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-01-04 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: CA

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00}

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 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc
State: SC

Complaint narrative:
I never open this account im asking that this account be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
I do not know this company or the alleged debt owed. Ask for all terms and conditions and agreement of this debt owed to NATIONWIDE CAPITAL SERVICES sent to collector on XX/XX/year>

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 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
I contacted the company many times and also contacted the credit report, my ex did fraudulent transactions without my knowledge and authorization, I made complaints on XXXX XXXX XXXX also, FTC report also, my divorce agreement my ex is responsible, the company never ever removed my name from the credit report also i have difficult to buy a house because this, same with evidences and complains the company never removed my name, and said I am responsible but i am not responsible the court order is very clear and also, FTC and Police report and many complaints i made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a home equity loan with Navy Federal Credit Union. 

The payment is due on the first of the month and not late until the 15 day. 

The payment had always been paid along with all my other debt at Navy Federal. One loan had XXXX months of early payments. 

Navy Federal debt collection practices need to be audited. 1. Navy Fe
deral has people calling as early as the XXXX day of the month harassing customers who are not technically late until the XXXX of the month like theyre a repo man or a deadbeat dad. 

2. On Friday XX/XX/XXXX after XXXX I received a call from Navy Federal saying I need to contact them immediately about a very important matterthe home equity loan. 

3. Do they do this to every customer or just the African American customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-01-04 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: IN

Complaint narrative:
I just recently at my crdit report XXXX XXXX. I saw some inquiries that did not have permisible purpose. I also attached evidence. 
XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( finance ) : XXXX XXXX XXXX ) XXXX  ( finance ) XXXX. 
These inquiries has no permisible purpose to be on my credit report.Delete these inquiries due to violation of 15 USC 1681b

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 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
Dear Huntington National Bank Customer Service Team, I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) for the charged-off loan associated with my account. I believe this form should have been issued for the tax year in which the debt was canceled, but I have not yet received it.

Account Details Account Holder Name : XXXX XXXX XXXX XXXX Account Number : XXXX Loan Type : Auto Loan Date of Charge-Off ( if known ) : XXXX This document is essential for my tax records, as the Internal Revenue Service ( IRS ) requires me to report any canceled debt as income. I would appreciate it if you could confirm whether a Form 1099-C has been issued for this account. If it has been issued, please send a copy to the address provided above.

Additional Information If a Form 1099-C has not yet been issued, I kindly request confirmation of whether the debt has been canceled and, if applicable, the required documentation to comply with IRS guidelines .

Please feel free to contact me at XXXX, if additional information is needed to fulfill this request. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief