vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
I did not give any permission, or consent to share, disclose, or furnish any information pertaining to m, to a 3rd party company like a credit reporting agency. According to 15 USC 1681 ,1692, and 6801, I have a right to privacy. My private non public personal information, should not be shared with anon affiliated 3rd party company without my consent. These creditor shared my non public personal information without my consent which by law constitutes as aggravated identity theft. I did not give any written nor verbal instruction, or any consent to share or disclose my information. Pursuant15 USC 6802 finical institutions are not obligated to disclose my non public personal information to a 3rd party company such as CPA 's unless they provide me with a notice that complies with sec 6803 of this law. I have never received any notice from any of these companies, and they also have violated my privacy by not protection my non public 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime
State: FL

Complaint narrative:
The sales agent forged the contract and added protection coverage that i didn't ask for through XXXX XXXX. He gave me 2 pages, basically stating what I'm putting down and the amount the car is for. He told me the amount for the car was XXXX +, that includes taxes and fees for the car. They confirmed with me that they Throw away the real contract Documents after 3 months, they never gave me the an original contract document, they ONLY gave me two papers. What made me call drive time to request my contract from them is because I didn't understand why i was still paying for the car when i put down half of the cars worth, I did a little more digging into the contract and seen that The Items getting me into. Not until XXXX That I Seen the correcct contract. He Also Did Not Share anything he was adding to the contract. I had to request my contract from them Last Month Because They Never Gave Me the Official One. I found out through my Lawyer, That 25 % APR Is Illegal In Florida & Arizona. The Amount i agreed to finance was {$13000.00} The amount they forged on my contract to pay {$33000.00} .At the time i was XXXX  and I was in desperate need of a car and I just turned XXXX that XXXX, They took advantage of me!!!. I can send you the whole contract now that they sent me the real contract that i had no knowledge of what it said until this year, its been 3 years. Please Help Me! From What My Lawyer Said, He Said, XXXX Targets Low Income, No Credit Vulnerable People, Specifically XXXX people to XXXX Them Over, Thats Why They Are Always In XXXX  Or XXXX   Citys. He Has 2 Filed And 5 Pending Lawsuits On The Due TO Criminal Activity. 
That Drive Time, XXXX and XXXX  has kahoots with each other to get away with scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

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 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 2024-09-30 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: GA

Complaint narrative:
I was alerted in XXXX from XXXX that someone made an attempt to charge my card. So XXXX reissued the XXXX. When I look on my Experian report, I now have 2 accounts open for the same XXXX XXXX. I submitted an online complaint to Experian in XX/XX/year>. The only thing Experian did was update the balance of the closed XXXX  card and keep the card as open. 

I contacted XXXX via email on XX/XX/year>, letting them know Experian credit report shows I have 2 open XXXX XXXX cards with a {$10000.00} limit each and a combined credit limit of {$20000.00}. And they said they would look into it. After a few back and forth, on XX/XX/year>, XXXX says they will look into it. 

To date, Experian continues to report 2 XXXX XXXX 1 XXXX cards on my credit report. The correct XXXX, shows monthly payments. The closed XXXX shows the last payment was 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 2024-09-30 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint against Citibank regarding their inaccurate reporting of an account on my credit report. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ). As an authorized user on this account, I am not liable for the associated debt. However, despite my status, Citibank has continued to report this account as if I were responsible for the debt. This has led to significant negative implications for my credit score and financial standing. Despite these efforts, Citibank has failed to take appropriate action to correct this reporting. As such, I believe they are in violation of several provisions of the FCRA, which require accurate reporting and timely investigation of disputes.I request your assistance in investigating this matter and holding Citibank accountable for their actions. 

As an authorized user, I am are protected under several laws, primarily : Fair Credit Reporting Act ( FCRA ) : This law ensures that consumer credit information is reported accurately. As an authorized user, you should not be held liable for the debt on the account, and you have the right to dispute inaccuracies in your credit report. 

Truth in Lending Act ( TILA ) : While this primarily governs credit terms and disclosures, it also supports fair treatment of consumers, including authorized users, by ensuring clear communication regarding liabilities. 

Equal Credit Opportunity Act ( ECOA ) : This law prohibits discrimination in credit transactions. It ensures that authorized users can not be unfairly penalized or discriminated against based on their status. 

These laws collectively protect authorized users from being held liable for debts on accounts where they are not the primary account holder. If you're facing issues with reporting, these legal protections may be relevant in your 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 non-monetary relief
Consumer complaint received 2024-09-30 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: MO

Complaint narrative:
I was completely taken aback when I saw inaccurate accounts on my credit report this morning, and I have no idea how this could have happened. I check my report regularly, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but the accounts were still there. I'm deeply concerned and request a thorough review of the documents I've provided so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
I did not give any permission, or consent to share, disclose, or furnish any information pertaining to m, to a 3rd party company like a credit reporting agency. According to 15 USC 1681 ,1692, and 6801, I have a right to privacy. My private non public personal information, should not be shared with anon affiliated 3rd party company without my consent. These creditor shared my non public personal information without my consent which by law constitutes as aggravated identity theft. I did not give any written nor verbal instruction, or any consent to share or disclose my information. Pursuant15 USC 6802 finical institutions are not obligated to disclose my non public personal information to a 3rd party company such as CPA 's unless they provide me with a notice that complies with sec 6803 of this law. I have never received any notice from any of these companies, and they also have violated my privacy by not protection my non public 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 2024-09-30 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: NY

Complaint narrative:
I am deeply curious of how my outcome for this complaint has turned. Your company has responded to my request of removal of these inaccuracies and they are still reporting these accounts. It has deeply affected my credit standing and it stresses me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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.

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-30 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: MO

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
My loans were under the REPAYE plan and were under the recent administrative forbearance. Although this was supposed to be XXXX  interest during the time period, and 0 % is listed on the loans info, my loans keep accruing unpaid interest which was rolled over into the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I obtained a loan with loan depot in XXXX. On the day of closing, the account manager decided to change the terms/ figures on the closing disclosure. He also purposely did not provide information in my pursuit of the first time home buyer program which caused me to miss out on the benefits, although I was qualified. He also gave me a rate on my loan that was more than offered, even with good credit and more than sufficient income and moderate debt to income ratio. On the day of my closing, the closure agreement was changed and the amount agreed upon was not included on the final agreement. 
In XX/XX/XXXX, I decided to refinance and specifically asked not be transferred to the same office as was in XXXX. I was transferred to the loan officer XXXX XXXX who initiated the process and later to the account manager, XXXX. 
As it pertains to the closing, I am forced to report these concerns due to the trend I have personally experienced with loan depot. 
On the day of my closing, the title company was present to finalize the refinancing. However, we were unable to proceed due to errors and incorrect final numbers. This is after, loan depot completed and emailed over 15 different closure agreements. I was so confused and still confused about the efficacy and honesty of the documents presented by loan depot. I have grave concerns with the misrepresentation of my initial XXXX  and XXXX closures. Even after the closure in XXXX, I continued to receive emails regarding discrepancies. 
To address my concerns, I have made numerous contacts to customer service, XXXX XXXX, XXXX XXXX, XXXX XXXX, to name a few. After speaking with XXXX XXXX, he offered to send {$500.00} for the experience ; however, this did not occur. Prior to closure, I was also informed by all of the parties above that I would also skip a payment ; but that did not happen. Upon closure, they have all ignored my concerns and refused to fulfill the promises made, no further follow through. This company has Poor business practices and I am concerned that it is being to a particular demographic like myself. On XXXX, I was informed that my loan will be serviced by another company, not by email or mail, but only by me checking my escort online. 
In conclusion, I believe that this company should be investigated for their misleading and unethical practices. I need a full review of my loans that were serviced from XXXX  to current with loan depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One closed my credit card account and restricted me from accessing the reward points I earned while using there credit card account. The account was closed because auto drafts where retuned, the bank was experiencing a cyber breach and paused all auto withdrawals to customers credit cards, utility companies, etc.. I accumulated reward points over time and capital one is denying me the rewards because they closed the account. I feel that the reward points are owed to me. The closed account is disappointing but not as important as the rewards owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: MD

Complaint narrative:
Hi TransUnion, I just paid for my credit report and I saw those fraud inquiries that shall delete from my credit report. 

THOSE INQUIRIES ARE FRAUD : XXXXXXXX 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 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 XXXXXX/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 2024-09-30 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: FL

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 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 non-monetary relief