vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: PA

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report associated with my XXXX XXXX  XXXX. account ending in 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 2024-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX, my private student loan with Sallie Mae Bank ( Loan Number : XXXX XXXX XXXX XXXX ) was approved for residency deferment because I am in XXXX XXXX with a program end date of XX/XX/XXXX, and I submitted a completed form by my program confirming the end date. The approval letter stated the loan is eligible for 60 months, but payment will resume once the program is completed. 

On XX/XX/XXXX, I received an email stating that the deferral ended on XX/XX/XXXX, months before my program 's end date. 

I made several efforts to speak with the provider to notify them of the program end date stated on the form I submitted, which was XX/XX/XXXX. Every time I called, there was a different customer service agent with no record or documentation of my prior call or complaint. 

I requested they look at the deferment form I submitted earlier to confirm the program end date, but there was no record of such a form, and eventually told by an agent to resubmit a new form. 
I could not resubmit a new deferment form in time because of my schedule and the nature of my duties, where I leave home early and return late, leaving me little or no time. 

I was required to make monthly payments of over {$1000.00}, which I couldn't afford, and the loan was reported delinquent, and my credit score decreased by over XXXX points. 

Their error and fragmentation in their system caused me significant financial hardship, which hurt my credit score, and above all, I was traumatized by the way and manner in which this issue lingered without a solution. 

I am writing because somebody has to speak up. I know many borrowers are in similar situations and at the mercy of powerful lenders or institutions like this. This has to stop ; no one should go through such a harrowing experience because of a student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IA

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-02-01 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: IA

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: VA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2024-02-01 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: IA

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
Good evening. My name is XXXX XXXX. My wife and I purchased a XXXX XXXX XXXX, brand new in XXXX. The set monthly payment has been XXXX. According to recent statement we have paid We have paid XXXX into the loan and still owe XXXX. The original loan was XXXX. This is obviously a rip off. We had payment extensions for 2 years but the increase in interest is ridiculous. It accrues daily. There has to be something addressed regarding this company which is regional acceptance corporation. At the current rate the car we have wont be paid in full until XXXX ; given the cars condition I doubt it will be functional at that time. Is there an action we can take against this creditor? Also due to Increase in thefts of this make and model it has been difficult to find affordable insurance for this car.

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 2024-02-01 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: FL

Complaint narrative:
There is still a inquiry showing on my report from " XXXX XXXX XXXX '' I don't know what this is. I've never applied by XXXX XXXX. I've asked Experian to either verify that this is mind and or remove it. 

They have been failed to provide me with any document showing my signature or validating that in fact this inquiry is mine. 

This is seriously damaging me and it is inaccurate and was not me and my inquiry. 

I would like to ask for the last time that Experian either immediately remove this inquiry and or provide me with the documents you guys have used to determine that this is mine which they have to provide me by law. 

This is a serious matter for me and I hope to hear back asap.

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 2024-02-01 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:
I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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

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 2024-02-01 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:
I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my vehement objection to the blatant violation of my rights and the egregious disregard for consumer protection laws by your company. This is nothing short of fraudulent behavior, and it is imperative that you address this matter promptly. 

The unauthorized sharing of my non-public information is not only a breach of privacy but also a clear infringement upon my rights as outlined in 18 U.S. Code 1028A. I want to make it explicitly clear that I did not provide consent or authorization for the dissemination of my personal information.

Furthermore, your reporting practices are in direct contravention of consumer protection statutes. According to 15 USC 1681 section 602 A, I am entitled to privacy rights that have been callously disregarded in this situation. Additionally, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions.

The violation continues with 15 U.S.C 1681c ( a ) ( 5 ) Section, which expressly prohibits the inclusion of adverse information in a consumer report that antedates the report by more than seven years. The persistence in reporting such information is not only inaccurate but also constitutes a direct violation of the law.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) unequivocally states that a person shall not furnish any information to a consumer reporting agency if there is reasonable cause to believe that the information is inaccurate. It is abundantly clear that your actions are in direct contradiction to this provision. 

I demand an immediate investigation into these egregious violations and an explanation for this unconscionable breach of privacy. Failure to rectify this situation promptly will leave me with no choice but to pursue all legal avenues available to me to ensure justice is served. 

This matter requires your urgent attention, and I expect a comprehensive response within the shortest possible time frame.

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 2024-02-01 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: PA

Complaint narrative:
I am writing to express my vehement objection to the blatant violation of my rights and the egregious disregard for consumer protection laws by your company. This is nothing short of fraudulent behavior, and it is imperative that you address this matter promptly. 

The unauthorized sharing of my non-public information is not only a breach of privacy but also a clear infringement upon my rights as outlined in 18 U.S. Code 1028A. I want to make it explicitly clear that I did not provide consent or authorization for the dissemination of my personal information.

Furthermore, your reporting practices are in direct contravention of consumer protection statutes. According to 15 USC 1681 section 602 A, I am entitled to privacy rights that have been callously disregarded in this situation. Additionally, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions.

The violation continues with 15 U.S.C 1681c ( a ) ( 5 ) Section, which expressly prohibits the inclusion of adverse information in a consumer report that antedates the report by more than seven years. The persistence in reporting such information is not only inaccurate but also constitutes a direct violation of the law.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) unequivocally states that a person shall not furnish any information to a consumer reporting agency if there is reasonable cause to believe that the information is inaccurate. It is abundantly clear that your actions are in direct contradiction to this provision.

I demand an immediate investigation into these egregious violations and an explanation for this unconscionable breach of privacy. Failure to rectify this situation promptly will leave me with no choice but to pursue all legal avenues available to me to ensure justice is served.

This matter requires your urgent attention, and I expect a comprehensive response within the shortest possible time frame.

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 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Toyota financial repossessed our XXXX Toyota XXXX without a notice letter stating that they were repossessing the vehicle at XXXX on XX/XX/XXXX and made payment arrangements with Toyota financial to pay the balance that was owed. I recommend never to go with Toyota financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IL

Complaint narrative:
I asked XXXX to investigate an account that appears to be reporting inaccurately. That account is listed as an XXXX  under XXXX XXXX XXXX ( {$9600.00} ). This account has been reporting inaccurate information for several months now. Inaccurate open and closing dates, balances, last reporting, and payments disclosed. This account is reporting illegally and disrupting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX, XXXX XXXX, I contacted Banana Republic Barclays US about a {$2.00} Minimum Charge fee on my Mastercard, charged on XX/XX/XXXX, and listed on my Mastercard Statement, XX/XX/XXXXXXXX XXXX XXXX 

The representative, XXXX at ( XXXX ) XXXX, could not specifically direct me to where or when I was provided a disclosure for this additional fee. The representative could only point me to a page on the website related to APR interest and fee. The fees noted do not include a Minimum Charge fee. Additionally, I have my account opening disclosure documents and searched the Banana Republic Barclays US website regarding fees, and there is no disclosure about an additional Minimum Charge fee when only a minimum payment is made during a statement period.

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 2024-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I took my XXXX  to the dealership with a problem with the engine.The owner XXXX was supposed to fix my XXXX. The dealership had my car over a month. I called XXXX ask him about my XXXX  he told me Credit Acceptance repoed my XXXX  at that time. XX/XX/XXXX I only owed one  month total XXXX for current and past due XXXX total XXXX I still have my statement. The owner XXXX sold me another XXXX XXXX XXXX at that time I needed a car. I thought my XXXX  was repoed.I and my husband wanted to buy another vehicle and still get my XXXX back. I called Credit Acceptance about paying the full balance and getting my car back the receptionist said we never repoed your XXXX  vehicle should be in my possession. I called XXXX asking where my car was my car wasn't repoed. XXXX claimed he didn't know until I called the police.The police came than he finally said my car was at the junkyard in XXXX XXXX XXXX. I called them they said the never received a XXXX XXXX. Months later I received a letter from debit collector owing over XXXX includes lawyer fees.The balance left on the car was XXXX for a vehicle I don't have.I still don't know where my car is.This is the first I ever went through this!! I been paying debit collector monies with interest every month since a XXXX was filed with the courts XXXX. Whenever I go through hard times couldn't pay they will take me to court trying to garnish my paycheck. XXXX XXXX lied about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they took my car without my permission. I only owed one month for total XXXX my current payment total XXXX was due XXXX the owner had XXXX XXXX write false statement about no interest as customer was behind in payments my car was crushed XX/XX/XXXX. I didn't have no knowledge about this information until I called the cops.

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 2024-02-01 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: CA

Complaint narrative:
XX/XX/XXXX : Submitted XXXX for work from XXXX XXXX ( XXXX ) to XXXX  XXXX ( employer is out of business ) XX/XX/XXXX : Called XXXX to check on status, they said it was denied because I didn't submit W2s ( there were no instructions to do this ). I submitted W2s. 
XX/XX/XXXX : Called again to check on status, they said employer was rejected as not qualifying, but they looked it up and said it was a mistake. They submitted for re-review and said my loans would not move to MOHELA until this was settled. 
XX/XX/XXXX : All loans were transferred to MOHELA. I uploaded XXXX XXXX XXXX and XXXX to MOHELA. 3 months later this was marked as " duplicate '' form. 
XX/XX/XXXX : Re-submitted W2s and XXXX. 
XX/XX/XXXX : Called MOHELA. They said I needed to submit proof of 501 ( 3 ) c status. Submitted. 
XX/XX/XXXX : Was told that employer was approved ( it was now listed under employment periods ) and payment count ( 25 additional payments ) would be updated soon. Re-work was submitted. 
XX/XX/XXXX : Was told that prior person submitted the wrong form. Worker submitted " data feed '' document to request update. Should receive update in 3-5 days. 
XX/XX/XXXX : Agent submitted another re-work when count didn't update, said it should update in 90 days. 
XX/XX/XXXX : MOHELA said still pending XX/XX/XXXX : MOHELA not sure why it's not updating. Submitted another re-work of application. Said 30-60 days. 
XX/XX/XXXX : Agent said she thought it might be a signature issue where the form was electronically signed and should be a wet signature. But now they are accepted. 
XX/XX/XXXX : Status changed to " processed '' but no update on count. Called MOHELA who said it was denied again but couldn't tell me why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report associated with my XXXX XXXX XXXX. account ending in 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