vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-04-05 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:
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 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 2024-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
There is an XX/XX/XXXX deadline for student loan forgiveness for a one-time adjustment of borrowers payments I will be unjustly denied. I consolidated back in XX/XX/XXXX which is still under review and the DOE can not see my loan progression from its conception back in XXXX to now. ( over XXXX  years ) To the DOEs/XXXX  admission, they do not have any paperwork before XXXX. Basically, per Bidens guidelines, the DOE is unable to see a complete payment history of this loan and I can not get the full credit Im entitled to. I was unable to pull records from banks that erase their histories after a decade and the DOE is incompetent with record keeping. My loan only started at around {$7500.00} in the XXXX and it's ballooned up to {$17000.00} today. 
ARIZONA STATE SENATE Fifty-Sixth Legislature, First Regular Session FACT SHEET FOR H.B. 2066 banks ; financial institutions ; personal information Purpose : Requires a bank or financial institution to destroy all personal information belonging to a former customer or client within XXXX  years after the business relationship ends, with exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: DE

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-04-05 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your assistance in rectifying a significant error on my credit report that has severely impacted my financial standing and ability to pursue homeownership. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a 30-day late payment to major credit bureaus, which has resulted in a derogatory mark on my credit history. However, this late payment was reported in error and does not accurately reflect my payment history with XXXX. 

I want to emphasize that I have consistently maintained timely payments on my accounts with XXXX. Despite this, I did not receive any communication from XXXX regarding late activity on my account. There were no text messages, emails, or phone calls alerting me to any issues, leading to confusion and surprise upon discovering the reported late payment. 

Additionally, my account with XXXX is linked directly to my XXXX XXXX bank account, which consistently maintains sufficient funds for all transactions. At the time the payment was due, my XXXX XXXX account had a balance of {$1500.00}, more than enough to cover the required payment of {$260.00}. In fact, I regularly made payments of {$350.00} per month, well above the minimum requirement. 

Given these circumstances, there was no valid reason for the payment to be missed, and ample resources were available to ensure timely payment of the account. 

The consequences of this misreported late payment are severe, as it has dramatically impacted my credit score and ability to secure financing for a home purchase. Therefore, I urgently request that the erroneous 30-day late payment be deleted from my credit report. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that XXXX complies with all relevant credit reporting laws. Additionally, I ask for your assistance in facilitating the removal of this erroneous late payment from my credit report as soon as possible. 

Please find attached documentation supporting my complaint, including copies of my credit report highlighting the inaccuracies. 

Thank you for your prompt attention to this matter. I eagerly await your response and swift resolution.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ACCOUNT #: XXXX

LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX


DEAR NAVY FEDERAL CREDIT UNION, 
THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX  WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX AND XXXX  ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX, XXXX & XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT; UPDATE TO PAID AS AGREED

LATE PAYMENTS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  

IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX 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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX  XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
To whom it may concern, I hope you are well. I need help resolving an issue with RoundPoint Mortgage Services, LLC. regarding the incorrect amount of {$1800.00} instead of the correct amount of {$940.00} per month.

According to their representatives XXXX XXXX and XXXX, they set up an escrow account because they did not have the hazard insurance information when they purchased the loan from my previous mortgage lender on XX/XX/XXXX. 
My Insurance agent sent them a copy of the hazard insurance information on XX/XX/XXXX and I sent a copy of the hazard insurance policy on XX/XX/XXXX. 
I also contacted them on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to check if there is anything else needed to correct the payment amount to {$940.00} per month. They confirmed they received the insurance information on XX/XX/XXXX and that the payment would be rectified by XX/XX/XXXX. They didn't. I sent them the insurance information again on XX/XX/XXXX and followed it up with a phone call to confirm if they received it. XXXX XXXX from the escrow and insurance department confirmed they received it and that she made sure that the monthly payment was correct by XX/XX/XXXX. They didn't. 
I called them several times since then to have them correct the monthly payment amount to {$940.00}, however they have not corrected the issue. 
I am extremely concerned for my health and the financial hardship RoundPoint Mortgage is making me and my family go through because of this mistake they made and failed to rectify. 

I'm looking forward to hearing from you. 

Kind regards, 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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
Timely payments have consistently been upheld on this account, ensuring they never lapse into overdue status. The rationale behind reports of late payment remarks on my accounts eludes me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank accounts are POD which I didn't ask for and I'm not dead. The beneifcaries are unauthorized I never named no one for that. Also I'm divorced and never give anyone authority to act on my behalf at all.Medical statements are false to get financial gain. Since 2020 when I filed identity theft I haven't yet been able to access not XXXX account on my behalf. I never give consent to a third parties or a power attorney.I never got any legal documents for accounts, mortgages, properties nothing at all due to mail theft and divorce and unauthorized transfer of assets and accounts and due to unauthorized name change caused by marriage license and high school dilpoma and birth certificate stolen. I need to update my information. No actions were taken but a new account but nothing was fixed.. my data is sharing with the public so public access to information on back accounts. Currently homeless right now due to this.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
Timely payments have consistently been upheld on this account, ensuring they never lapse into overdue status. The rationale behind reports of late payment remarks on my accounts eludes me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-05 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: AZ

Complaint narrative:
My understanding is that FCRA 605B necessitates the removal of any incorrect entries from my credit report. Could you please examine the documents? A few of the listed accounts are inaccurately reported in terms of amounts and dates.

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Spring oaks capital llc removed the collection account then added it back with a new date making it seem like its a new collection account. This caused my credit score to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
I was made to pay a down payment in which I had to barrow after the fact I was informed there would be no money put down. I never received copies of paperwork from the oringal transaction I had to go to one of their other dealerships years latter and received partial information which didnt include my right to terminate transaction and amount of time to do so. Wasnt informed conspicuously or privately my consumer rights. I was made to pay for insurance that was supposed to be included in purchase price. They to this very day havent given me any funds in my hand or account for this purchase but unlawfully repossessed the vehicle without my consent so I dont know who is at fault completely the lender who has yet to send me any type of information Ive requested from them or dealship for willingly miss leading me into going into dept for down payment and not providing me with all documents involved in transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX  and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is XXXX  reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 non-monetary relief
Consumer complaint received 2024-04-05 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: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: OH

Complaint narrative:
I have no knowledge of the account XXXX, XXXX XXXX XXXX Acct # XXXX. THIS ALSO LOOKS LIKE A MEDICAL ACCOUNT OF SOME SORT, AND ACCORDING TO 43 US CODE 1320d-9 note, this is a direct violation. No medical history shall be reported, furthermore this is a HIPAA VIOLATION! 

I would like this account deleted from my report 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 2024-04-05 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:
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 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 2024-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
15 U.S.C 1681 Section 602A states i have a right to privacy 15 U.S.C Section 604A states a consumer reporting agency can not furnish account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have all violated my rights

Company response to consumer: Closed with explanation