vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
In c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Adverse Action Letter Notice to Agent is Notice to Principle ; Notice to Principle is notice to Agent. 

Pursuant to 15 USC 1602 ( c ) the term " credit card '' was used to initiate the credit cars transaction. The term credit card similarly as I have mentioned, means any card, playe, coupon book, or other credit device existing for the purposes of offering money, property, labor, or services of credit. 

The term adverse action NEVER mentioned anything about the consumer being " denied '' credit as the consumer can not be denied the credit ( s ) in which the consumer is " granting '' ( in this case ) your corporation ; which is that right to extend said credit ( s ).

Pursuant to 15 USC 1602 the term credit means " The right granted by a creditor to a debtor to defer payments of debt, or to incur debt and defer those payments ''.

Credit is a right for which I am the one who regularly extends credit in the connection with loans pursuant to 15 USC 1602 ( g ). I am the original creditor and I am aware of my rights as such. I understand that reporting to the CRA is voluntary. This is a private transaction and in it by your corporation and by me the consumer and creditor and unfavorable situation has transpired.

Nowhere under the terms of adverse action defined by the Fair Credit Reporting Act ( FCRA ) does it mention that a " natural person '' can be denied credit versus a business. As an original creditor it is not LAWFUL to be denied my right to grant credit. Furthermore, my credit was used and I received NO BENEFIT from the use of my credit and an inquiry was submutted and posted to my consumer report which is a RECEIPT of transaction further supporting that a corporation ( s ) has been compensated and I received no benefit at all. In fact, on the contrary damage was done from the denial of my rights both mentally, psychologically, and financially as a result.

In conclusion, I have been discriminated against as there are NO federal laws which state that a credit score can deny me my right to extend credit. I a natural person in good faith exercised my right and was grossly discriminated against in that pursuant to 15 USC 1691 which states, " IT SHALL BE UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION : 1. On the basis of race 2. Religion 3. Natural Origin 4. Sex 5. Marital status 6. Age, provided the applicant has the ability to contract 7. All or part of the applicants income derives from any public assistance program 8. Because the applicant has in good faith exercised any right under this chapter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - 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  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-06-25 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: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-06-25 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: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 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 2024-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I saw offers on my XXXX XXXX account for a personal loan. I decided to go with Prosper because I was Pre-approved. After submitting the requested information, my Social Security number included, I was Approved with a {$100.00} decrease from the initial monthly payment. As expected, I knew my credit score was going to be affected because that was the only way the lender would be able to approve me. The company could see my excellent credit score and my on-time payments. The next section was to submit a bank account information that I will like my funds to be added to. This part did NOT state that the bank had to be a specific bank with a certain amount of funds in the bank. I used a bank that I had little funds in the account and after submitting the information, I was kicked out of the site and received an email stating that my application was cancelled. I immediately called customer service and all they said was that my account is locked for 90 days and check in my messages for the reason. The reason was due to " not have accounts on my credit report opened for a long period of time. '' Along, with other reasons. However, the lender saw my credit report BEFORE I was approved. After speaking with customer service, I was only told they would submit a request to remove the hard inquiry. On XX/XX/year>, I received an email from XXXX XXXX informing to accept the offer with the EXACT amount AND monthly decrease payment Prosper APPROVED me for. I called customer service again and was left discouraged once again. I expressed my disappointment to the company and how it was misleading and made no sense why I kept receiving the offer if I was denied due to what was on my " credit reports. '' I also informed them that this will hinder my chances with other potential lenders due to the drop of my credit score. The removal will take up to 30-60 days to post, but I am in need of a personal loan now. This is my very first time seeking a personal loan I've never been so discouraged in my life. On XX/XX/year>, I received the SAME email... .accept the offer. You've been APPROVED with the EXACT amount and monthly payments

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 2024-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am buying a property via assuming FHA loan from a seller for which Mr Cooper Hold the mortgage. I started the process on XX/XX/XXXX with Mr Cooper with closing date of XX/XX/XXXX. I have yet to be contacted by mortgage officer to process my loan and my loan has been pending credit approval stage. I have excellent credit and no negative remarks on my background. I live in an apartment and was supposed to vacate my apartment on XX/XX/XXXX in a week. My closing date for this property already moved to XX/XX/XXXX. We did not meet deadline for XX/XX/XXXX. Today is XX/XX/XXXX. I have been contacting this company diligently every few days we are called and emails however I have not received any response. No mortgage officer reached out to me Nobody responds to my complaint email that I sent out to XXXX XXXXXXXX. im about to have to move to a hotel or XXXX on XX/XX/XXXX as I highly doubt I will be able to close on this property by the deadline. I need some type of update from the company on what is going on and why is it taking so long. This is very discouraging experience, an incoming new customer to company. I understand that assuming process take longer than traditional mortgages however, 60 days without appropriate or improper contact information where nobody answers your questions and what Im being told that Im just going to have to wait for the mortgage officer to call me and it can take anywhere from 4 to 6 months is really stressful. What am I supposed to do live in an XXXX for unexpected amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Previous request was closed showing as a duplicate request IN ERROR. 

DO NOT CLOSE THIS COMPLAINT. 
THIS IS NOT A DUPLICATE REQUEST AND NEEDS TO REMAIN OPEN UNTIL RESOLVED. 

Loan with Great lakes was PAID IN FULL 11 years ago, was transferred in error to Nelnet XX/XX/year> as showing owed. Now they won't leave us alone! 

Issue with Nelnet is separate issue! 

Great lakes was to rescind transfer of paid in full balance and provide letter of rescission. 

Showed paid in full 11 years ago, recent information received shows paid in full in XX/XX/year>. 

How can a paid in full balance be transferred to a different company as owed?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
i was impacted XXXX, which cauused me to become a displaced worker. i gotten behind on my bills and recently XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My income has drastically decreased which caused me to become behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized inquiries have been identified on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have made many attempt to resolve the issue with this company. I feel discriminated against. They are refusing to remove the negative reporting they created.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have made many attempt to resolve the issue with this company. I feel discriminated against. They are refusing to remove the negative reporting they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 furnishes 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing regarding a serious issue involving the re-insertion of inaccurate information in my credit report by Equifax. This complaint is being filed pursuant to the Fair Credit Reporting Act ( FCRA ) to address the following violations and seek appropriate relief. 

Previously, XXXX XXXX identified XXXX inquiries on their credit report that were inaccurate. After filing a dispute with Equifax, these inquiries were investigated and subsequently removed from XXXXXXXX XXXX credit report. However, it has come to our attention that these same inaccurate inquiries have been re-inserted into my credit report without proper notification or justification. 

Violations of the FCRA : Under the Fair Credit Reporting Act, Equifax is required to adhere to strict guidelines when handling consumer credit information. The following violations have been identified in this case : Re-insertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Equifax has violated FCRA by re-inserting information that was previously deleted without following the mandated procedures. Specifically : 1. Notification Requirement : Equifax failed to provide XXXX XXXX with a notice of re-insertion within five business days as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

2. Certification Requirement : Equifax did not obtain or provide Tracey Byrd with a certification that the information was accurate and complete, which is a prerequisite for re-insertion under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ).

3.Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : Equifax has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Why is it so hard to have my right of having a fair report? i have been reporting fraudulent accounts to experian and yet none of them got removed. Kindly remove these fraudulent accounts in compliance to FCRA : XXXX XXXX acc #. XXXX inquiry date. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX #. XXXX inquiry date. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX #. XXXX inquiry date. XX/XX/XXXX XXXX XXXX XXXX #. XXXX inquiry date. XX/XX/XXXXXXXX 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am the author of this complaint. I checked my credit report and noticed that there are accounts reporting that are inaccurate, incomplete, and unlawful. These accounts are reporting in a manner that violates the Fair Credit Reporting Act 15 usc 1681s-2b and 15 usc 1681b . I do not give Experian, XXXX, or XXXX to publish any data furnished by XXXX XXXX, XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX AT T ).

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