vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 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: NC

Complaint narrative:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.

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 2023-10-10 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: PA

Complaint narrative:
XXXX ran XXXX hard inquiries with Transunion on XX/XX/2023 & XX/XX/2023 that was unauthorized.

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 2023-10-10 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
XX/XX/2023 Applied for Hyundai Loan. Consented for Credit report must be pulled just on this date ( applicable to just for 10 minutes, due to the situation that we were forced to purchase a vehicle at XXXX XXXX on XXXX ). Hyundai used a CREDIT SCORE ( no model name ) to price against FICO SCORE leading to credit discrimination XXXX XXXX leveraged my personal information collected on XX/XX/2023 and made an unauthorized hard pull without my consent. 
XXXX I applied for a loan for personal emergency, that loan was denied and later approved for exorbitant 20 % APR costing me more than XXXX XXXX at the end of the term. The reason for denial is due to excessive hard pulls in my credit file. Hyundai is directly responsible to cause excessive hard inquires on my file.

Hyundai has been evading all my emails and calls. My requests to Hyundai Senior executives have not been heard. Hyundai has treated me very poorly and made discriminative comments. I opened several cases and all of them were resolve without evidence and proper resolution. 

Hyundai to address following noncompliance items or provide reasonable supporting written document for each stature to support Hyundai is complying.

1. FCRA ( Fair Credit Report Act ) 15 USC 1681b Permissible purpose a. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & b. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 2. REG B ECOA violation Credit Discrimination 3. UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violation in line with # 3. Deceptive because multiple Hyundai divisions making hard pulls without disclosure. Unfair because XXXX XXXX used on a XXXX risk-based pricing grid thus adding to credit discrimination. 
4. TILA ( Federal Truth in Lending ) - requires that borrowers receive written disclosures about important terms of credit before they are legally bound to pay the loan.

5. Fraud and Identity theft ( Hyundai was authorized to use my personal details just for XXXX not forever/Indefinite. Thus, it is more than just negligence. Hyundai is aware technology can be leveraged ; however, Hyundai did not set controls for the purpose of profits. That is a clear intent to cause damages to consumer

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 2023-10-10 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: FL

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 2023-10-10 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I filled out a full application for a loan modification over a year ago and planet home lending hasnt completed it I resumed the process ( after not hearing back in a year ) because I am buying a second home. I was told by the new mortgage broker that my mortgage statement is showing over 300 days delinquent, because of this, I am in danger of losing over {$6000.00} in earnest money, appraisal, and inspection fees I have recently been trying to get this resolved a second time for well over 30 days and keep getting told the loan modification will be completed one Monday then Friday then Monday then Friday and I have {$6000.00} earnest money that I am going to lose that is tied up on a second home I am purchasing because of their incompetence. Also, I have asked multiple times to have a supervisor call me back, but they never call. Also, I have to explain every single time I call what is going on with my account and I am being told that I owe them money and then I dont owe them money and that I missed payments that I actually paid and are having to send over bank statements, just to prove that I made these payments. I also have been told by customer service representatives that the supervisors are too busy to talk to me or are always in meetings every single time we call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MN

Complaint narrative:
I have asked for my repayment plan to be the SAVE plan and requested to be pulled out of forbearance months ago because Im ready to begin payments. Im still in forbearance as of today and will be for another month it says. It takes about a month to receive an email reply. They put me on ICR instead of the save plan. They dont respond. The service is edfinacial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: VA

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 2023-10-10 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: MA

Complaint narrative:
I've attempted several times requesting documents that proves this is my debtXXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under 15 1692g, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.

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 2023-10-10 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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: MS

Complaint narrative:
HARLEY DAVIDSON FINANCIAL keeps putting a new account and account balance on a debt that was included and discharged in a bankruptcy and title has been released. 

XX/XX/XXXX a petition for bankruptcy was filed that included the loan for HARLEY DAVIDSON FINANCIAL, the loan was paid off for full amount through the bankruptcy and discharged in XX/XX/XXXX. HARLEY DAVIDSON FINANCIAL released the title to me and the motorcycle has been sold. Due to the debt being over XXXX years old it had been removed from all XXXX credit reports at which time HARLEY DAVIDSON FINANCIAL reported it back as a new account being opened with a balance. I have disputed the account numerous times with the credit bureau, and they remove it just to have it reposted by HARLEY DAVIDSON FINANCIAL. I have spoken with HARLEY DAVIDSON FINANCIAL on XXXX separate occasions and have been told that it should be removed and not be reposted and that they would take care of it. The new account being posted has negative remarks and drops my credit score by XXXX points each time, due to debt being discharged by a bankruptcy no negative remarks or actions are supposed to be posted on credit reports and HARLEY DAVIDSON FINANCIAL is repeatedly doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: NJ

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2023-10-10 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: CA

Complaint narrative:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2023-10-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Inquires on my credit report that I have no knowledge of and/or did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc
State: SC

Complaint narrative:
I took out a small line of credit for repairs on my home. This was taken out in XXXX. I have used the line of credit once in the past year. I could not understand why when I was paying XXXX a month the bill was never coming down, then I got to checking and they have a roll over fee?? of {$150.00} a month so I got a secured loan on my car, called Credit Fresh got the pay off of {$1400.00} so I sent them a check to that amount by certifed male they signed for it on XXXX XXXX XXXX but the loan was not paid for 3 weeks, now they are saying I owe them {$260.00} and I have paid them in full for the amount they stated to the manager of the loan company that I went to because at the rates they were charging I would never have gotten out of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
Situation : Administrative Forbearance is being erroneously or fraudulently applied to my account by MOHELA. 

Background : At XXXX XXXX XXXX XXXX on XXXX, I spoke with XXXX XXXX MOHELA employee # XXXX ). 
I told XXXX, I do NOT want ANY type of forbearance or deferment to be applied to my account, or any other actions that will negatively impact my chances of achieving PSLF as soon as possible.

In 2012, fedloan Servicing misguided me and placed me on Administrative Forbearance, and it is currently hurting my changes of PSLF for those months I worked for a non-profit. 
XXXX XXXX, after speaking with his supervisor XXXX ( MOHELA employee # XXXX ) : There wouldnt be an automatic processing forbearance for what Im asking. Its only when going from IDR to traditional or traditional to another traditional payment plan. [ Administrative forbearance ] would not apply when going from one IDR to another IDR plan. 

Assessment : Steering and manipulative practices to keep borrowers in debt and not qualify for PSLF continues to happen, like it did with my previous loan servicer ( XXXX XXXX ) in 2012. 
It benefits MOHELA and others like them to keep borrowers in debt ; hence why the automatic forbearances, which harms chances of meeting PSLF, are dubiously and quickly applied. 

Request : MOHELA : Please do not start AND remove any forbearance from my account. As stated, multiple times, I did not ask nor do I want anything that will disqualify me and my payments from achieving PSLF. 
Consumer Financial Protection Bureau, U.S. Dept of Education, and our elected officials should investigate MOHELA for these dubious practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: FL

Complaint narrative:
I noticed some unauthorized inquiries on 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 2023-10-10 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Inquires on my credit report that I have no knowledge of and/or did not personally authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: Jenkins, Wagnon & Young, P.C.
State: FL

Complaint narrative:
Inquires on my credit report that I have no knowledge of and/or did not personally authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Inquires on my credit report that I have no knowledge of and/or did not personally authorize.

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