vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXX Experian Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Experian Customer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX XXXX have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : Experian I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Experian thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: MOHELA
State: WI

Complaint narrative:
I have enrolled all three of my loans in auto debit. My payment of XXXX should be withdrawn on the XXXX of each month. For XXXX it still hasnt been withdrawn and Im now showing past due. I should also be getting a .25 % interest rate reduction which Im not. 
In addition I submitted my yearly PSLF paperwork XXXX and have not received any updates. 
How many times do people have to continue to complain about this incompetent company before we get some kind of help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: AL

Complaint narrative:
My name is XXXX XXXX.. DOB is XXXXXXXX.. address is XXXX XXXX XXXX, XXXX , AL XXXX . I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX  - XX/XX/XXXX  XXXX  XXXX - XX/XX/

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 2023-11-21 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear TransUnion Consumer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXXXXXX  Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that TransUnion thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/XXXX one time pay as well as auto pay charged me XXXX twice I did not authorize this, and Im simply requesting a refund.

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 2023-11-21 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-21 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: GA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: PA

Complaint narrative:
I XXXX T XXXX currently have a fraudulent account appearing on my credit report. I have listed all supporting documentation.

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 2023-11-21 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a letter dated XX/XX/XXXX  from my local tax authority telling me my escrowed property taxes for XXXX  were paid late. As of the writing of that letter, my mortgage company had only submitted one half of the taxes due for my home, and I had been charged an extra {$180.00} for paying late. The first of two payments was due XX/XX/XXXX and was paid several months late on XX/XX/. 

I called on XXXX, XXXX XXXX  to get more information about why these payments were late and to have US Bank cover the late fees since this was due to an error on their end ( I've made every mortgage payment on time ). At that time, they told me they'd made all my payments on time and that they'd investigate the issue and get back to me. They told me I'd hear back from them within 10 business days, but I have not heard back yet. 

A new tax disbursement dated XX/XX/XXXX  has shown up in my online portal. This payment was due on XX/XX/XXXX  according to my county. I'm also unsure whether or not the {$180.00} will be paid by the mortgage servicer or not, as that has not been communicated to me.

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 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My complaint is against ford credit.

I feel ford credit doesn't really care about there customers. Nevertheless I feel that they use scare tactics, And looks to harass people who has nothing to do with loan. 

This year, my wife has been admitted into the hospital. Been in the hospital multiple times this year. With that being said, I had a loss income from her. Then medical bills for her. I was facing financial hardship. When I brought it up to the attention to ford credit in the beginning of the year, they told me they can not help me until I make the next payment. When I make the next payment, I'm told. I still couldn't get help they have to wait until I make the next payment. Every single month they told me. I will have to wait for the next payment before get any type of help. That they could not put me on no type of hardship program. So each one I made a payment I reached out to ford for help. Just to keep getting pushed to the side, and waiting another month, after month.

I thought what ford did to me before, last year was bad. When they gave me a due date and told me if I pay by this certain day. I could avoid the car being repo. At that time they gave me a date that I had until to pay. However they repo the car, even when I paid. Way before the repo date. Costing me more money to take my car out. Engaging in unfair acts or practices of repo. I incur significant costs related to repossession, and negative marks on my credit reports. 

When I had them before help me COVID-19 pandemic, i feel they added on other cost that lead me to face financial hardship. 

I am so upset with Ford. On XX/XX/20, in the after XXXX call my wife in the afternoon on her cell phone. Demanding loan payment and providing info on me owning on loan. However, my wife is not even on the loan. She is not a cosigner. Share my personal information on her cell phone about me. My wife has a serious XXXX XXXX My wife got so upset. Because she felt she was harassed. Then my wife got really XXXX. She couldn't understand why would they be calling her on her cell phone. When the loan has nothing to do with her. 

My wife is Innocent party that was harassed by ford about my debt. She should had been protected under the FDCPA. 

Even again I asked him to put me on a financial hardship program. I was told again. I have to wait until my next payment. On going for the whole entire year like this. 

Ford makes it hard for me to make payment. They will only take a payment from me if I pay at XXXX. They will not allow me to make payment over the phone or online. Due to the hours that I work at my job. It makes it very difficult to get it to XXXX. Because by time I get their customer services close. 

I am afraid of repo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: United Credit and Collections Inc.
State: MN

Complaint narrative:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with United Credit and Collections. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX I. Contacted Navy Federal Credit Union to have my son 's social security funds released. The day before I called as well because the funds have been sitting in pending for a few days but was told to call back at XXXX the XXXX so they can be released. 
I called and the automated message mentioning to release the funds was not there and I wasn't able to release them through the app. When I called I was told by XXXX they can not release my funds because of me having a charge off account..nothing in their brochures mention that and I've never had this issue before. I can understand if it was my money but I don't even have my account with them anymore because of all the bank fees I was charged and them not doing the math correctly on a returned check. That is not my issue though. None of my past with the bank should affect my sons account. The brochure doesn't mention any of the reasons I wave given. I called multiple times and was told he wasn't him and he became upset so I became more involved. His age and my reported issues are not grounds to go against policy. It indicates that funds can be released one day early. The funds have been in pending on this account for well over a week so they have them. The release date is the XXXX and we're trying to get them a day early, like we have always been able to except for today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
this account was opened fraudulently XXXX XXXX XXXXXXXX XXXX office of attorney general and my information was part of a data breach with Equifax which they still have yet to address this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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