vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am formally complaining against SPRING OAKS CAPITAL LLC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SPRING OAKS CAPITAL LLC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SPRING OAKS CAPITAL LLC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TN

Complaint narrative:
I have paid all of my payments early since the beginning of XXXX. I get notifications that my payments were accepted and get confirmation. Then partial payments are being reversed. I am not getting notification. I have the funds available in my account. I end up paying and repaying the same payments because of continuous payment reversals. I call every time this happens. When I do the representatives say that they see the reversals, but they dont know what happened. I called in XXXX and the representative told me that they didnt know what happened, but theyd turn it in for investigation, and call me back last Thursday XX/XX/XXXX with an answer. I never received a call. I made another payment with yet another reversal. I called and this representative said they talked to their supervisor. When they came back to the phone they said that it was being investigated and they were sorry I was frustrated, but that was all they could do. I paid the rest of my payment early again. I check the Ed financial site, and what do you think happened? The payment was reversed. Now if it says that I have a late payment! This will go on my credit score! This is their fault. It is deceitful and fraudulent. I deserve proper management of my account when I am keeping up my end of the bargain and paying my payments back responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: KY

Complaint narrative:
.In accordance with the Fair Credit Reporting act XXXX Account # XXXX : XXXX 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 an 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 2023-11-03 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. 
Washington, D.C. XXXX Re : FTC ID Theft Complaint Dear Sir or Madam : This letter confirms the conversation I had with A Representative at Your Office on XX/XX/XXXX regarding the theft of my identity. 

I am notifying the FTC that identity has been stolen and used for fraudulent purposes. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit Cards Credit Card Opened by Thief Company or Organization : XXXX XXXX  Date Fraud Begin : XX/XX/XXXX Total Fraudulent Amount : {$1000.00}

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/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 explanation
Consumer complaint received 2023-11-03 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: WI

Complaint narrative:
In XX/XX/XXXX i opened a credit card with XXXX XXXX XXXX. the inquiry should fall off in XX/XX/XXXX however XXXX and transunion told me that it will fall off in XX/XX/XXXX. I feel the inquiry should fall of in XXXX of XXXX since that would mean its XXXX  months old

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/XXXX ... I attempted to contact XXXXXXXX XXXX  regarding the charged-off account with them. I was told by 2 representatives and 1 supervisor that 1- my account wasn't charged off ; after argument, they agreed that yes it was sold off, the first collection agency they sold it to charged it off themselves and it came back to them. Since then, they have sold it to another collection agency. On my credit report ; it shows that TransUnion and XXXX are the only ones reporting this charge-off. My dispute with XXXX was successful in removing this item. The opening date for the account reported by Transunion is XX/XX/XXXX. In contrast, the opening date for the exact same account reported by XXXX is XX/XX/XXXX. As well, the last reported dates differ on both of the credit reports. The date of last reported, last active, and last payment. Due to numerous errors, I am requesting this account be removed from my credit reports with Transunion and XXXX per FCRA 15 USC1681 eb regarding the reporting information must be 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/XXXX ... I attempted to contact XXXXXXXX XXXX regarding the charged-off account with them. I was told by 2 representatives and 1 supervisor that 1- my account wasn't charged off ; after argument, they agreed that yes it was sold off, the first collection agency they sold it to charged it off themselves and it came back to them. Since then, they have sold it to another collection agency. On my credit report ; it shows that XXXX and XXXX are the only ones reporting this charge-off. My dispute with Experian was successful in removing this item. The opening date for the account reported by XXXX is XX/XX/XXXX. In contrast, the opening date for the exact same account reported by XXXX is XX/XX/XXXX. As well, the last reported dates differ on both of the credit reports. The date of last reported, last active, and last payment. Due to numerous errors, I am requesting this account be removed from my credit reports with XXXX and XXXX per FCRA 15 USC1681 eb regarding the reporting information must be 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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 found inquiries on my credit report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: NV

Complaint narrative:
This is complaint is in reference to prior complaint filed against XXXX XXXX XXXX which deals with violation of 15 USC 6802 which governs disclosure of non-public information to third party. According to 15 USC 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I ask Experian to properly supervise the following transaction with XXXX XXXX XXXX There was a private consumer credit transaction that was furnished to my Experian Credit report. However, XXXX has never sent clear and conspicuous opt out provisions for this private transaction and has not received my consent to publish this information. I ask Experian to please remove my non public information relating to this consumer credit transaction from my Experian Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: OH

Complaint narrative:
I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX  Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX  Balance : {$700.00} ; XXXX XXXX XXXXXXXX XXXX  Balance : {$2000.00} ; XXXX XXXX XXXX XXXX  Balance : {$730.00} ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$200.00} ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Since my mother passed XX/XX/XXXX, I have been in communication with the bank and their attorney. I was first told I needed to be identified ( registered ) as heir through heirship affidavit by a state agency. The bank attorney agreed and told me to call bank to verify. The bank agreed placed the account in forbearance, when I called back to say I was working to obtain that. The bank said that was not what I needed. They would not communicate with me for approximately 6 -9 months, until they filed to foreclose again. I got the heirship affidavit and that was exactly what was needed to be the confirmed the Successor In Interest. Since then to now, I have had to turn in documents and resubmit documents they have received and I call every other day for them to reach a decision while they are telling me to try to find other resources through the state ( TX ) while they send me emails repeatedly on the same days of a video of out of state I can not apply for and more recently a Texas resource I have called numerous times and been told will not help me due to the bank not making a decision as it is my mother 's debt not my own. XXXX XXXX amount owed was {$9300.00} XXXX XXXX amount owed is {$37000.00}. 
First they rejected my application due to me not being my mother even having the death certificate on file, then they said I didn't require an application due to it being an FHA loan, only to later say since I turned in an application as I was requested they needed a tax form, only sign the middle of the form and check a box, which they rejected the day after I called in to confirm they received it as not having my SSN on it. Last week they said I needed to resend 3 pay stubs. One of which they had as 3 of my last pay stubs submitted. I have been fully transparent with the bank for what my earnings in and have shown more income than my mother earned at purchase. 
The original purchase was less than the full accelerated amount due {$180000.00}

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 2023-11-03 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: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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 am responding to the letter sent from Equifax to update an report an update information matching the assess listed. please report an review the reported information to help clear all data listed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: VA

Complaint narrative:
I applied for an American Express credit card on XXXX and got denied regardless of the reason for being denied I have the right to credit. Denying me access to my credit under the Equal Credit Opportunity Act is discrimination. Withholding my access to my securities is securities fraud you are violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are denying me, my credit please retract my application thank you. 

XXXX XXXX attorney in fact For ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Loan number XXXX Est. XXXX XXXX XXXX Co owner - XXXX XXXX Selling property at : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Closing was on XX/XX/2023 We had received a closing amount of {$930000.00} and suddenly at paper right before closing {$24000.00} was added to this amount raising the par-off amount to {$950000.00} When ask what was the additional amount for ( the amount was label recoverable amount ) no reply was given, and since we were days from losing lawyer let it be for time being. But now I like to know, and I know, I over paid. 
Lawyer has all of Bank documents, please contact as needed. 
I and lawyer have tried to reach PHH Mortgage and we have not being able to, even through email, no responses in any manner. 
My lawyer info. : XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation