vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I'm in the process of buying a housed I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character. As well as I am a service member which federal law states that the service members civil relief act is a United States federal law that protects soldiers, sailors, airmen, marines, coast guardsmen, and commissioned officers in the Public Health Service and national oceanic from being sued while in active military service of their country.

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 monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I paid my lease in full to American Honda Finance XXXX on XX/XX/XXXX and they have verified that it has been paid in full. They still remain on title as a lienholder. I contacted them numerous times since XX/XX/XXXX ( yes XXXX ). They emailed me an odometer statement which I filled out and sent back to them in XX/XX/XXXX and again in XX/XX/XXXX and again XX/XX/XXXX. They said they still havent received it and sent me another one. I sent it back again. I did this a XXXX time. It has been XXXX years, yes XXXX years! This lease was paid in full as I exercised my purchase option and paid it in full with certified funds on XX/XX/XXXX and I still have not yet been given a clear title. They still show a lien on my title. This car has been totalled and this has been a huge problem because my insurance company is unable to settle my claim because they still show that there is a lease against it ( when there is not ). This has been XXXX years!! I have called XXXX numerous times with extensive hold times ( hundreds of hours ). Then they keep transferring me from XXXX department to another. I have verified with every department that I have 100 % paid this vehicle off in full and am the owner outright. American Honda Finance XXXX has been terrible to work with. Their customer service is horrible. This is a simple issue and should not be delayed. They have received all of their money XXXX  years ago. But I have not received my collateral. This is unjust, unfair and they should not be allowed to get away with this. I am a senior citizen and deserve protection from this scrupulous company. I paid every all of my monthly payments on time and paid the full lease buyout at the end. They are 100 % paid and there is no excuse for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
CFPB To Whom It May Concern : I am writing this statement to bring to your immediate attention a case of predatory and deceptive practices involving a collection account with Jefferson Capital. This matter has caused significant financial hardship and XXXX XXXX, and I seek your urgent intervention. 

In XX/XX/year>, I paid ( in full ) an outstanding debt to XXXX XXXX. Despite fulfilling my financial obligation, in XX/XX/year>, the debt/collection account for the same debt resurfaced on my credit report under XXXX XXXX XXXX This was utterly shocking and XXXX  as I had resolved this matter almost a year prior. 

Upon discovering this erroneous collection account, I immediately contacted XXXX XXXX. They confirmed that my account had a ZERO balance and was fully resolved. Despite their acknowledgment, the collection account continues to be inaccurately reported by Jefferson Capital XXXX XXXX XXXX, XXXX, and XXXX. 

For several months, I have been disputing this incorrectly reported debt with the aforementioned credit bureaus. Despite my persistent efforts, this false information remains on my credit report. This ongoing issue is not only frustrating but has also caused me severe financial hardship. The inaccurate reporting has adversely affected my XXXX XXXX, making it difficult for me to secure loans, housing, and other financial opportunities. 

The continued presence of this erroneous collection account on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The actions of Jefferson Capital and their blatant disregard for my consumer rights, needs to be addressed. The continued lack of response by Jefferson Capital to remove the item from my report is predatory and deceptive, causing unwarranted damage to my financial standing and peace of mind. 
I respectfully request that the CFPB intervene in this matter immediately. I urge you to investigate this issue and ensure the immediate removal of the inaccurate collection account from my credit report. This correction is essential to restore my financial integrity and protect my consumer rights. 

Thank you for your prompt attention to this urgent matter. I trust that the CFPB will take swift and decisive action to rectify this grave injustice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There was a point where I lost my wallet. My wallet had a lot of valuable and personal information in it. I started to notice accounts that were negative reflect in my credit report that I had no idea and that do not belong to me. Since I have lost my wallet, I have also been in my personal information and data Were involved in various data breaches with Equifax and XXXX. I am not aware of this debt nor where it came from. The debt is listed below ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Amount {$3800.00} Date assigned XX/XX/2022 This debt is a result of identity theft. Please provide any and all and all proof that this is 100 % accurate beyond a shadow of doubt. I need receipts and signatures and full statements because I am not aware of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There was a point where I lost my wallet. My wallet had a lot of valuable and personal information in it. I started to notice accounts that were negative reflect in my credit report that I had no idea and that do not belong to me. Since I have lost my wallet, I have also been in my personal information and data Were involved in various data breaches with XXXX and XXXX. I am not aware of this debt nor where it came from. The debt is listed below ( XXXX XXXX XXXX XXXX XXXX  XXXX  ) Amount {$3800.00} Date assigned XX/XX/2022 This debt is a result of identity theft. Please provide any and all and all proof that this is 100 % accurate beyond a shadow of doubt. I need receipts and signatures and full statements because I am not aware of this debt

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 2024-05-31 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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 account XXXX from XXXXXXXX XXXX XXXX was already pay since XXXX XXXX in total of XXXX dollar. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate addresses, and names. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ADDRESSES : No Address 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. NAMES : XXXX XXXX XXXX, are all inaccurate. 
Also, according to 15 USC 1681s-2, 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 explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I filed a complaint to have Navient send me the application for discharge due to school misconduct and was denied the application because I consolidated my loans to be able to afford the payments. However, I consolidated my Sallie Mae/Navient loans with Navient ; not another loan company. Due to holder law, my loans should still be eligible for discharge due to school misconduct. This response from Navient denying me the application is unacceptable as my school has been found to be a listed school investigated for misconduct of the XXXX XXXX XXXXXXXX case and I have a pending XXXX XXXX XXXX application as a post-class member for my government loans. I would like a copy of my original promissory note signed by both myself and my school from Sallie Mae which was acquired by Navient and my loans consolidated with Navient. Navient did send me documentation of my consolidation but not my original promissory note for my loans through my school, Sallie Mae/Navient XXXX My consolidated loans are the original school loans I was pressured into taking through my school misconduct. It should not matter that they were consolidated nor should the private loan type prevent discharge and refund due to school misconduct along with misconduct from both Sallie Mae/Navient with my school, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

My consolidated private loan is my original loans I was pressured into taking through Sallie Mae/Navient and my school that has been investigated for misconduct and a named school in the XXXX XXXX XXXX case that I am a XXXX member awaiting discharge for government loans. My private loans should be included in the Navient school misconduct discharge and the type of private loan should not matter. 

I was told by a Navient loan service employee, XXXX XXXX, employee # XXXX on XX/XX/24 on the telephone that I was eligible and would receive the application for school misconduct discharge " pilot '' program in XXXX weeks in the mail. When it did not arrive, I filed a complaint with the Consumer Financial Protection Bureau. Only then, after another phone call did Navient change what they told me and say I was not eligible due to loan type. The CFPB complaint was pending, so I waited for their response which is that my loan type is not eligible. That is unacceptable as these are the original loans consolidated from my school investigated and found to be guilty of misconduct as per the XXXX XXXX XXXXXXXX case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
Upon Checking my credit report, I have concluded that Equifax is still reporting unfactual hard inquiries on my report, I have disputed before the inacuracy of these hard inquiries, they are not mine, and the companies that are reporting them, I have never had any transactions or applied for any credit product with them. What Equifax had suggested in the previous investigation, is totally said without ground, there is no account to report these hard inquiries neither do they match with any closed accounts, these hard inquiries are fraudulent and I solemnly ask CFPB to proceed a investigation onto my request, these hard inquiries are not mine, I have attached an updated FTC report to support my case. The hard inquiries in question are | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experians XXXX XXXX XXXX : A Hidden Case of Consumer Protection XXXX Affecting XXXX XXXX I have an account with Experian that I have been trying to cancel for many months. However, I have encountered significant difficulties due to the use of XXXX XXXX in their XXXX XXXX, intentionally complicating the cancellation process, and forcing me to engage with the platform to update my billing information before I can cancel my account, subsequently charging me before I can cancel the membership. I am unable to access my account without updating my billing information. 

I am an expert in XXXX XXXX, and they are engaging in consumer fraud. This is considered 'Forced Engagement '. The practice is illegal in the United States, and many places worldwide, including the XXXX XXXX. 

Forced Engagement This occurs when a company uses manipulative techniques to keep users engaged with their product, even if they want to stop using it. For example, a company might make it difficult for users to cancel their subscriptions or continue bombarding them with notifications after unsubscribing. 

Given Experians extensive reach, with data on over XXXX XXXX individuals and businesses, including XXXX XXXX individual XXXX consumers and more than XXXX XXXX XXXX businesses, the statistical and financial implications of a forced billing update requirement before account cancellation are significant. 

This practice raises serious ethical and liability concerns, as it not only undermines user trust but also violates consumer protection laws. 

I urged Experian to address this issue promptly and allow users worldwide to cancel their accounts easily and transparently, indicating that failing to comply could lead to further public scrutiny and legal challenges.

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 monetary relief
Consumer complaint received 2024-05-31 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: AL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great XXXX and if this is not fixed asap, I will be suing ALL.

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 2024-05-31 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: AL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great XXXX and if this is not fixed asap, I will be suing ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: AL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great XXXX and if this is not fixed asap, I will be suing ALL.

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 2024-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Filed a dispute with Synchrony Bank in reference to Lowes account in XX/XX/XXXX. Paid on bill since XXXX for 2 bathrooms remodel. Bathrooms are a nightmare and were never completed. Lowes stopped doing bathroom and kitchen remodels. They said this can only be settled through Synchrony. Original bill was {$22000.00}. In XX/XX/XXXX balance was {$18000.00}. I had already paid {$47000.00} by this time. I am 80 years of age and had never made a late payment. I contacted Synchrony Bank in XX/XX/XXXX and was told to file a dispute and just stop paying on the bill and cancel my card. I am now receiving mail every week, phone calls everyday all day demanding I pay off this account. They are penalizing me by canceling my Sam 's card which is also through Synchrony and ruining my credit record which has always been excellent.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: U.S. BANCORP
State: TX

Complaint narrative:
I sent US Bank a notice to cease and desist from sharing my non-public personal information ( " NPI '' ) with non-affiliate third parties. US Bank disclosed my NPI with non-affiliate third parties without providing me with an opportunity to opt-out and instructions on how to opt-opt before they disclosed the information. As a result, U.S. Bank has violated my right to privacy according to the GRAMM-LEACH-BLILEY ACT ( GLBA ), Section 501 and 502 codified in United States Codes, 15 USC 6801 and 6802 , and codified in 16 CFR 313.7.

U.S. Bank shared my NPI with multiple consumer reporting agencies including, but not limited to, XXXX, XXXX and XXXX which are all non-affiliate third parties to U.S. Bank. This violation of my privacy has harmed my reputation since the consumer reporting agencies have also shared my NPI with other institutions whom I seek to establish a relationship with. 

THIS IS A MATTER OF PRIVACY, NOT ACCURACY!

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