vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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: CO

Complaint narrative:
My student loans were originally with XXXX XXXX. In XXXX I had a XXXX XXXX of XXXX. It dropped a little due to credit card usage from emergencies, but was still in the XXXX. When paying towards my XXXX XXXX, I had been paying anywhere from {$200.00} to {$300.00} per month and usually paid that in smaller increments every XXXX weeks. In XXXX of XXXX I checked my XXXX XXXX to see that it dropped down to the XXXX. The report showed that there were no payments on my XXXX XXXX. Nearly XXXX months went by and the report showed my payments and my score went back up, but it was in the mid XXXX instead of high. This has happened off and on for the last few years. 

XXXX took over my loans, which excited me because I was glad to be away from XXXX XXXX, however, the problem persisted. While my loans were being transferred, the credit report showed that they disappeared. It looked as though the loan was wiped out, which decreased my credit history. When the loans finally appeared on my report, my score did not go back up. It was recognized as a new loan. Please note, I had still been making payments this entire time. 

In XXXX, XXXX also failed to report my payments and my score tanked to the XXXX. It is now late XXXX of XXXX and just a year later, my score is barely back to XXXX. 

I also filed disputes with Credit Bureaus to no avail.

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 2024-06-28 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: Consumer Adjustment Company Incorporated
State: IN

Complaint narrative:
I have submitted XXXX letters to complany and still waiting. I call and get placed on hold trying to find out how was the account verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: IN

Complaint narrative:
I have submitted XXXX letters to complany and still waiting. I call and get placed on hold trying to find out how was the account verified.

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 2024-06-28 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: VI

Complaint narrative:
Subject : Complaint on processing of payment and credit reporting. 


I am writing to express my deep dissatisfaction with the payment process and recent credit reporting issues related to my mother 's credit card account with PenFed. Since more than two years ago, it has been a case of me being regularly called to make payments on behalf of my mother since she doesn't like doing so online. So far, both parties have been attempting to make this payment on time ; the problems we met have been quite a few and entirely unnecessary : 1. Phone Payment Restrictions : PenFed charges {$5.00} to make a phone payment and will not permit more than {$30.00} to be paid over the phone, citing that it is " her account '' when I am formally listed as one able to manage payments. This has been very inconvenient for us, living outside of their retail footprint. 

2. **Recent Payment Issue** : It was assessed that, after the mailing in of a payment, PenFed did not process it in good timing. To this end, I was reported late, and my credit score drastically fell by XXXXXXXX XXXX This is particularly regrettable in light of the fact that. 

3. Forced Usage of the Internet : The recent reviews in payment policies are tweaked to force customers to adopt online modes of payment, which my mother has strong personal preferences against. 
I am at this moment asking for some actions by PenFed Credit Union. 

- Reverse Effect of Credit Score : Immediately withdraw the late payment report and refund my XXXX decline in my credit score due to their failure to process my mailed payment on time. - **Review of Payment Policies** : Review your payment policies concerning customers who would instead make payments by phone or mail without excessive fees or unwarranted restrictions imposed upon them. 

I am confident that these measures are only an equitable and just tradeoff to make up for the injustice done to my credit score and also give customers more user-friendly options for future payments. I look forward to your quick response and resolution of these issues.

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 2024-06-29 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: LEXISNEXIS
State: TN

Complaint narrative:
Tried to get car insurance with XXXX and XXXX but LexisNexis provide incorrect and false information on a accident and claim. The LexisNexis company is giving FALSE information to insurance companies. The accident they reported was on XX/XX/year> and was NOT me or the car I just bought. I was NOT in that accident and the car I just bought was NOT the car in that accident. I have never been in an accident or had a traffic ticket. 
The VIN numbers don't match and the drivers License number reported on that accident don't match. XXXX XXXX company doubled my insurance ( that I must have by law ) to drive my car based on FALSE information provided by LexisNexis Risk Solutions. 
How many others have had this issue with false info from LexisNexis Risk Solutions?? 
How many other people have paid higher insurance rates based on false information provided by LexisNexis Risk Solutions to insurance companies?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-06-28 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: TX

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Applied for business line of credit for my small business. 
Title 15 ss 1611 violation for criminal and willful violation of damages suffered for misreporting Denial of Securities violation Denial of access to underwriting to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 


SEE ATT. FOR ID Type of Business Date of inquiry Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Amer CR ACPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX a financial institution by definition under that title. 

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services unless authorized by consumer ( me ) in writing " According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 


SEE ATT. FOR ID Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER XXXX XXXXXX/XX/XXXX inaccurate reporting XXXX XXXX XXXX and XXXX XXXX a financial institution by definition under that title. 

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. 


Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services unless authorized by consumer ( me ) in writing " According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These hard inquiries are not mine, were not authorized by me, and need to be removed. thank you 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 XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: NH

Complaint narrative:
I feel as if I have fallen victim of predatory lending practice. On XX/XX/year>2024 I applied for financing with west lake financial. At the time I was in need of vehicle to help with transportation. I was young and did not even understand the concept of interest. I find a dealership in XXXX CA that was willing to finance me. At the time I was working at XXXX making only XXXX an hour. I explained to the dealer my situation and truly believe they saw an opportunity to take advantage of me. I was given a high APR rate of 27.9 % it has been nearly 5 years and am certain I have paid over {$20000.00} in interest for a car that was only worth {$12000.00}. The lender knew I was unable to afford the payment, due to the inconsistent amount of money I was earning at XXXX but still placed me in loan. I have since regretted that decision and have become a victim of predatory lending. I feel that I am held XXXX at this point and am unsure of what to do. I have tried negotiating with them. They refuse to assist me in anyway. I am past due a month behind and they are threatening to repo my car. I don't know what to do at this point and going after a large corporation just seems impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed my report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are affecting my ability to obtain credit.

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 2024-06-28 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: MN

Complaint narrative:
TO WHOM IT XXXX CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. XXXX XXXX XXXX SECTION XXXX STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX UNDER A SECTION XXXX, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX,. A CREDITOR XXXX NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX REPORTED : XX/XX/XXXX XXXX XXXX XXXX- REPORTED : XX/XX/XXXX XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX XXXX XXXX  REPORTED : XX/XX/XXXX XXXX XXXX XXXX, REPORTED : XX/XX/XXXX THE FOLLOWING INQUIRY ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX  XXXX XXXX XXXX REPORTED : XX/XX/XXXX XXXX  XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX, REPORTED : XXXX, XXXX XXXX XXXX REPORTED : XX/XX/XXXX XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX REPORTED : XX/XX/XXXX THE FOLLOWING NON-MAILABLE ADDRESSE ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX THE FOLLOWING IDENTIFIER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOLLOWING EMPLOYER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.

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 2024-06-29 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

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