vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on USAA FSB. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. USAA FSB XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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: Experian Information Solutions Inc.
State: TX

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 ( XXXX ) 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 15 U.S.C 1681e 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. 

Also as stated in the XXXX 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.

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: 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. I didnt never use this card and all of the charges are not mine this is the second time and Wells Fargo is discriminating against me because of my learning XXXX and XXXX by refuse to help me. Please just help me. Im tired of people taken advantage of me. I didnt never authorize nobody too. My authorize user didnt never not use no card because I didnt even give it to he.

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: Westlake Services, LLC
State: SC

Complaint narrative:
15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr Cooper took over as my mortgage company and ever since I get many phone calls a week as well as emails about refinancing. In the beginning I kept telling them I am not interested and to stop calling me which they didn't do. Finely I figured if I let them go through their pitch they would leave me alone, but that has not happened. Time and time I have told them I do not want to refinance because all its going to do is raise my interest rate. This company does no more than try to pester and pressure its customers into refinancing wither they are interested or not. Don't know if it has anything to do with my trying to dodge them but within the last two years my Payment has jumped up over XXXX more than I was originally paying. Not over taxes but over insurance at which I believe my house is grossly over appraised and the insurance company says they can not lower the value from what the mortgage company says. Is this company trying to pull something to make me have to refinance at their rates? I don't know but I'm getting tired of feeling pressured.

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: 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: NC

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 2023-10-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried multiple times to dispute this one item with both the creditor and all 3 Credit agencies to have this account removed from my credit report due to several violations according to the consumer laws and my rights as a citizen and nothing has been resolved. This is against the consumer law and it's causing me severe grief and XXXX  as I'm unable to purchase a home for my family and giving me defamation. 

The Creditor ( XXXX XXXX  ) has also violated my consumer law by not giving me the option to opt out from having my information reported to a 3rd party which by " 3rd party '' includes all 3 credit agencies ( XXXX, Experian and XXXX ) and here is the law as it is written. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; XXXX XXXX XXXX - Account # 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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: 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aidvantage has taken over my student loans. My first payment was due on XXXX. I paid on XXXX. Aidvantage still marked my account as delinquent - both in my online status and in my statement issued on XXXX - while it waited for it to process. I called to let them know that they were violating regulation by not counting my payment on the date it was made and that they cant mark my account delinquent when it was paid on time on the due date. 

Aidvantage assured me that the delinquent status and statement would be updated once they fully processed the payment. I woke up this morning to find that Aidvantage has reported my account to the credit bureaus as a late payment. This is unacceptable. If Aidvantage cant properly handle loan payments and credit reporting, why has the government given them this contract?

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: KY

Complaint narrative:
New : Mohela Failed to Re-Process my Income Driven Repayment Plan using the SAVE Criteria 225 % of Poverty Guideline Exclusions. Had to submit 4 applications and they keep marking them as duplicates not honoring their contractual obligations. Issue still not resolved resulting in higher payments. 

Follow Up to CFPB Complaint XXXX " UnResolved '' : Mohela has XXXX to count Qualifying Payments for XXXX XXXX Military Service Issue : Not getting full credit for Prior XXXX XXXX Military Service for XXXX in XXXX with Waiver. I had XXXX XXXX Consolidations before XXXX for account history to credit time before then in accordance with waiver. My XXXX XXXX XXXX XXXX started in XX/XX/XXXX ( uploaded to fedloans XX/XX/XXXX ) Requesting XXXX XXXX XXXX Military Qualifying Payments be Credited to Qualifying to my account from the Dates XX/XX/XXXX thru XX/XX/XXXX ( XXXX Qualifying Months ) & XX/XX/XXXX thru XX/XX/XXXX ( XXXX Qualifying Months ) Supporting Documentation is A. Retroactive ECF Form from my XXXX XXXX XXXX XXXX ( Review A & XXXX together ) XXXX XXXX Honorable Discharge Paperwork ( Review A & XXXX together ) XXXX Snapshot from Student Aid website that shows my loans prior to XXXX that Fedloans could not see to give those 27 months of credit. XXXX Department of Education XXXX Fact Sheet ( Yellow Highlight shows XXXX XXXX will be Honored as Qualifying ) Desired Solution : Please review Supporting Documentation A, B, C to credit XXXX additional qualifying payments for my XXXX XXXX XXXX time. Only XXXX of XXXX can see my Account History on Step C to show I had loans that pre-date XXXX to credit my XXXX XXXX Military Service. Tracking Forgiveness should be no later then XX/XX/XXXX 2022

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/ I got a loan at XXXX in XXXX XXXX Ny for a used XXXX XXXX XXXX  that had XXXX miles. I was under the assumption I was paying {$13000.00} for this vehicle. All said Im down the interest was over {$10000.00}. So the car was then set at {$26000.00}. I currently owe {$23000.00}. My car is only worth $ XXXX {$5000.00}. Im paying way over what the car is worth. Between XXXX XXXX XXXX XXXX XXXX my car increase {$280.00}. I do not want to pay {$23000.00} for a car that is worth {$4000.00}

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: LEXISNEXIS
State: NC

Complaint narrative:
On XX/XX/XXXX I froze and opted-out of LexisNexis consumer XXXX. Although I have taken these precautions, LexisNexis is still illegally furnishing my private personal information without my written consent. 
On XX/XX/XXXX XXXX confirmed that LexisNexis provided them my private personal information to determine and calculate my monthly insurance rate. On XX/XX/XXXX I mailed in a handwritten request for LexisNexis to remove my driving record from my credit file pursuant to 18 US code 2721 ( a ) ( b ). This law states that My driver record is strictly prohibited for use in my credit report. On XX/XX/XXXX ( well after the legally mandated time frame ) lexis XXXX responded we have reviewed the information from our phone records, and determined that data being reported is accurate. LexisNexis is intentionally not acting in accordance with the law and this has caused me great financial harm.

Company response to consumer: Closed with explanation