vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: WV

Complaint narrative:
Please remove Non Mailable Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Pursuant to 15 USC 6801- Protection of Nonpublic Personal Information.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : Remove Hard Inquiries, Pursuant to 15 USC 1681- Permissible Purpose. 
Update Accounts as PAID AS AGREED : XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681.

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 2023-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX. -EIN # XXXX, XXXX file # XXXX, XXXX index key number XXXX. 
Undersigned by XXXX - XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX, is the actual location. 
Sales manager was made fully aware when I went in to get the XXXXXXXX XXXX XXXX XXXX What my name and number and information was, I explained in detail and gave them paperwork of proof and law and legal documents about security and consumer protection and rights, and the Truth in lending and truth in credit acts before I gave them my Social Security number. They gave me the full word and honor that they were not going to deny me at all and to relax while they get my car ready. XXXX minutes go by and they start giving me lies and fraudulent Car XXXX  talk as they are XXXX  and XXXX XXXX. I have proof and recording of the conversations. And the manager too was an XXXX  liar. This whole company is committed to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sales manager, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXXXXXX, California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Flagstar mortgage dramatically miscalculated my taxes for my escrow, basing them off of taxes paid my first year, which were not an accurate representation for a regular year of taxes paid. They did not catch this issue in a timely manner, leading to a severe deficit between what was paid for my escrow and what was actually owed. Now they have dramatically hiked my mortgage payment by over {$300.00} per month. They told me today that the way this was done is standard procedure, so apparently every person who gets a new loan from Flagstar ends up years later with a dramatic hike in their mortgage payment. I have serious issues with this company every year that Ive never experienced with other mortgage services, including them just losing a mortgage payment. But this is the issue Id like to focus on.

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 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I am XXXX and trying to apply for a Total and Permanent XXXX discharge of my loans. I had my doctor fill out the form, I scanned it and emailed it to Nelnet as per their directions. A month later, they sent me a letter saying that they did not receive a complete TPD application from me. The letter said that they received the second page and were missing the first page. I double checked the attachment on the first email I sent and verified that I had sent the correct and complete document. I thought that maybe their email system did not recognize that there were XXXX pages, so I rescanned the document, and emailed it in response. XXXX month later, they sent me a letter saying that they received the first page but never received the second page. I double checked the second email I sent and verified that the attachment I sent had indeed both pages attached. I decided this time to send the actual document through the mail to Nelnet, as per their directions. Apparently, despite what they instructed consumers, their website is not equipped to handle XXXX page attachments. XXXX month later, ( XX/XX/23 ) I received a letter saying that my doctor did not complete the first question and the whole application needed to be redone. I opened the attachment of the scanned document I had mailed in, and I can see the first question filled out in my doctor 's handwriting. I feel that this is a matter of discrimination. I feel that Nelnet says that they will take care of all customers despite any difference that they XXXX have, but they are deliberately making this situation nearly impossible for XXXX people. I have 60 days to correct this issue or they will throw out my application. I called Nelnet and spent XXXX minutes on hold listening to an automated message before I was given any options. I entered my information 3 times and was told by the computer that there was no account with that information. I have been going through this since the beginning of XXXX. I am determined XXXX by the XXXX, but because my condition was at the time unknown, I must have my account reviewed by XXXX in XXXX years. This is why I have to go through this process for TPD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: OR

Complaint narrative:
XXXX XXXX has been asking XXXX, XXXX and TransUnion for corrected copies of his credit report since XXXX. XXXX has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had XXXX prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from XXXX, Transunion and XXXX stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like XXXX, XXXX and TransUnion are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is XXXX, XXXX and TransUnion allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, XXXX, XXXX and Transunion has allowed the false reporting of the status of XXXX XXXX 's child support. For years XXXX has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, XXXX, Transunion nor XXXX provided any. XXXX is retaining legal counsel against XXXX, XXXX and Transunion if these acts of libel and false reports continue to ruin his 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 explanation
Consumer complaint received 2023-12-12 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: OR

Complaint narrative:
XXXX XXXX has been asking XXXX, Equifax and XXXX for corrected copies of his credit report since XXXX. XXXX has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had XXXX prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from XXXX, XXXX and Equifax stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like XXXX, Equifax and XXXX are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is XXXX, Equifax and XXXX allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, XXXX, Equifax and XXXX has allowed the false reporting of the status of XXXX XXXX 's child support. For years XXXX has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, XXXX, XXXX nor Equifax provided any. XXXX is retaining legal counsel against XXXX, Equifax and XXXX if these acts of libel and false reports continue to ruin his credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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 have opted out of all authorization from XXXX XXXX XXXX and filed filed a complaint with CFPB. Letter and complaint attached. 

The Law say a Charge off is a certificate of indebtedness and is considered income and income can not be reported on a consumer report. 

Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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 2023-12-12 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: TX

Complaint narrative:
The student loan Account from XXXX Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like XXXX, Experian, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.

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 2023-12-12 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.

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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.

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 2023-12-12 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.

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: MS

Complaint narrative:
I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.

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 2023-12-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There are 2 hard credit hits on my credit report that I did not do. I want them to remove the hard hits to my credit. One of the company is XXXX and the other is Lowes.

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 2023-12-12 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: NV

Complaint narrative:
XX/XX/2022 I obtainted a new XXXX XXXX with XXXX credit which made a legal inquiry on my report, somehow, all these other inquiries were made which i did not apporve of, I have tried disputing these through the credit bureaus but not getting anywhere. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX unsure why this is showing twice - XXXX of XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Company : Experian ( https : //usa.experian.com/ ) Experian has for the past several years denied me access to manage my credit report on their website and have not successfully delivered a copy of my credit report to me despite making such a request. Every time XXXX contact customer service, their systems are having errors or they aren't able to pull up my information. 

XX/XX/XXXX : I attempted to create a basic account to access my credit report. Encountered a vague " Oops, we're sorry! '' error page with spinning gears that told me to call support. I call support, and they tell me I have several inactive accounts ( due to my attempts last year to freeze my credit ), and that I do not have credit history and I should get a credit history if I want to create an account. On a subsequent attempt to call support I am redirected to several support people, XXXX of whom starts an escalation with their " top-tier '' department, to investigate why I can't make an account and access my credit report. 

XX/XX/XXXX : Attempt to buy healthcare using XXXX XXXX XXXX XXXX XXXX Illinois. I get redirected to an experian identity check page. I receive the vague error page with the spinning gears that tells me to call support. I call support during business hours and after XXXX mins on the line, the line goes silent and there is no response. I have to hang up due to an appointment. 

Some time in XXXX : I attempt to put a credit freeze on my account and go through the process of creating an account on experian and experience the " Oops, we're sorry! '' error page with the spinning gears. I call customer support and they walk me through creating another account, but they claim their system is having technical difficulties and the " identity verification questions are not loading. '' Therefore we are not able to continue. They ask me to call back again later. I call back again later, and the same thing happens.

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 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-12 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: KS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX, I filed a dispute on my checking account with my bank for a transaction in the amount of {$450.00}, which was related to the Nevada XXXX. On XXXX, I was provided with provisional credit by my bank in the amount of {$250.00}, and on XXXX, an additional provisional credit of {$190.00} was applied to my account. However, On XXXX, the {$190.00} provisional credit was reversed. 

It is crucial to note that I proactively communicated with my bank on multiple occasions, clearly expressing my request for a full refund. The bank assured me that they would address this concern and advised me to contact the merchant ( Nevada XXXX ). I documented each conversation I've had with my bank concerning this dispute, ensuring the accuracy of the information shared. 

As part of my efforts to resolve this matter, I diligently worked with the Nevada XXXX, and we successfully resolved the payment issue. The initially disputed debt of {$450.00} was later adjusted to {$200.00} by the Nevada XXXX, and this corrected amount was promptly paid in full on XXXX. As a result, there is no remaining outstanding debt with the Nevada XXXX. It's essential to note that the reason for the XXXX lowering the amount was due to an incorrect charge caused by a malfunction on their part. 

Despite my repeated attempts to inform the bank of my successful resolution with the merchant, I was later informed that, due to the 120-day timeframe since the case was opened, they are unable to reconsider my case. This limitation imposed by the bank 's policy has hindered a fair review of my dispute.

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 2023-12-12 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: OH

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 non-monetary relief
Consumer complaint received 2023-12-12 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: TX

Complaint narrative:
I opted out of all authorization from XXXX XXXX XXXX XXXX. They are debt collection company which means the debt has already been charged off and paid to the original creditor. This is considered a certificate of indebtedness which is considered income and by law income can not be reported to my credit report. 

Privacy Act of 1974 " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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