vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I XXXX XXXX made payments towards my mortgage and a number of my payments were put in a unapplied / Suspense account. I requested HSBC Research Dept to send me statements and payment history. HSBC Research dept sent the information but the information was scattered all over the place on the payment history sheets. I'm requesting HSBC send the information in the following format. The Heading should state the year and underneath it should have the following rows : Year / mtg amt / mtg paid, /Principal balance/ interest payment / Deferred amt / Escrow amt / Ins. & taxes/ any fees / Payoff figure for mtg. The left hand columns should have the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX HSBC Research should fill in the information for each month. I'm requesting this information for the following years : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The format that I have requested should assist me in resolving this issue. I have asked HSBC Rep, Why the information changes with each call. Providing the information in this format will assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have two insurance claims currently showing on my auto insurance history report by LexisNexis and I'm unable to find the correct path to dispute these claims. There was not a XXXX dollar paid out to the insurance company or involved parties on either claim, and one of the dates of the " claim '' on my file I don't even recognize so that may be completely inaccurate. Neither of these instances should have been reported as claims on my history, as neither of them had police reports involved or involved the insurance companies in any way from a financial standpoint. My vehicle has always been in great condition and it continues to be in great condition to this day and this is costing me a lot of money on my car insurance rates which are over {$600.00} per month for myself and my son! Thanks for any help and/or direction you can provide me with. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I sent a letter to navy federal regarding my personal information and transactional history on my credit reports. Navy federal is in violation of the privacy act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to draw your attention on these accounts which are erroneously being reported as late payment and charge off on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
In XX/XX/year>, I enrolled in XXXX with XXXX XXXX. This was advertised as providing a .25 % interest reduction if enrolled, and still says as much on their website. 

In XXXX and XX/XX/year>, I received a past due notice on my loans and discovered that XXXX had not worked. I emailed XXXX in XXXX, and they said that I had to call to receive specific help. 

I re-enrolled in XXXX on XX/XX/XXXX, and received an email confirmation that I was enrolled. 

I kept receiving past due notices and had to pay manually. I emailed XXXX again. This time, XXXX responded saying that I had not actually enrolled in XXXX ( I had, and again, had received a confirmation email saying as much ). 

She also said that it might take XXXX billing cycles to go through. 

Even if this is true, it has been many more than XXXX billing cycles since I received my email confirmation in XXXX. 

I haven't received any interest deduction since. In my opinion, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ZINC Financial, Inc.,
State: AZ

Complaint narrative:
I purchased this vehicle in XXXX in XXXX I believe. Because I already had an active loan with this company but the car they gave me before broke down within 6 months to a year. And then I purchased the XXXX XXXX XXXX in XXXX of XXXX it was a trade in. I would say in XXXX of XXXX they told me they replaced my motor mounts because the car was vibrating pretty bad. In XXXX of XXXX I got my alignment done and the control arm and ball joint, from XXXX XXXX. In XXXX of XXXX I went in to get brakes done at XXXX XXXX XXXX, and they told me all my shocks are gone in the vehicle and they explained to me that it was wear and tear that was already on the vehicle. I recently went in to get my car serviced on XX/XX/XXXX, because its been giving off a very toxic strong smell. And I am concerned that the vehicle is giving off CO in the cabin. I was told that my motor mounts are blown and they are saying its XXXX to replace all 3. Steering and suspension control arm w/ball joints needs to be replaced and that cost XXXX and loaded struts assemblies need to be fixed as well and that came out to be XXXX. And these are all major peoples. And my active loan in XXXX. The blue book value on the vehicle is XXXX. I have stayed up on my maintenance as far as tires, oil changes etc. And I still have until XXXX to reach my maturity date, I just dont want this car to break down before I even pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Request for accurate documentation provided that this debt is currently mine. 

Reached out to the company to assist in the matter of this repo. It has provided damage to my credit score affecting my day to day, as well as my livelihood. Company was unprofessional and unable to provide me with accurate information regarding a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Request for accurate documentation provided that this debt is currently mine.

Reached out to the company to assist in the matter of this repo. It has provided damage to my credit score affecting my day to day, as well as my livelihood. Company was unprofessional and unable to provide me with accurate information regarding a contract.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist, formerly known as SunTrust bank closed my account in 2021 due to overdraft that I dont recognize. Now I cant bank with anyone due to them reporting on XXXX and XXXX XXXX XXXX for {$180.00} I really need a bank account I havent been able to get one in years. 
Theyre past statute of limitations.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I sent paperwork to the credit burueas and I have not received a response nor any follow-up. The tracking number shows it was delivered. So now you MUST DELETE ALL ACCOUNTS MENTIONED due to intentionally not processing my disputes. 

Inquiries 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 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  Under FCRA you have 30 days to respond to my disputes. We are well past 30 days!!!! So immediately remove them. I expect a response within 4 business days with copy of the deletions and removals. Thank you. My attorney is forwarded on this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I sent paperwork to the credit burueas and I have not received a response nor any follow-up. The tracking number shows it was delivered. So now you MUST DELETE ALL ACCOUNTS MENTIONED due to intentionally not processing my disputes. 

Inquiries 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 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  Under FCRA you have 30 days to respond to my disputes. We are well past 30 days!!!! So immediately remove them. I expect a response within 4 business days with copy of the deletions and removals. Thank you. My attorney is forwarded on this complaint

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 2024-01-29 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: OH

Complaint narrative:
Improper useof consent without permission state in the Credit law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-01-29 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Camelot Financial Services, Inc.
State: AL

Complaint narrative:
I got a email saying I'm getting a warrant for a loan I never got a loan in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: MA

Complaint narrative:
I am writing to formally request your assistance in addressing inaccuracies present on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my efforts to rectify the situation, Experian has yet to respond to my concerns. I believe these discrepancies violate the Fair Credit Reporting Act ( FCRA ), and I am seeking your intervention to ensure that my credit report reflects accurate information. 

Details of the Inaccurate Information and Required Corrections : The following account is not mine : 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 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 explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian concerning its failure to address inaccuracies on my credit report despite my repeated attempts. On XX/XX/XXXX, I contacted Experian regarding the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bankruptcy Reference Number : XXXX. I also disputed incorrect personal information on my credit report. While Experian responded on XX/XX/XXXX, stating that the XXXX XXXX and XXXX XXXX  accounts were " updated, '' the discrepancies persist upon reviewing my credit report. 

Upon contacting XXXX XXXX directly, they provided additional details about the account, confirming that they are supplying Experian with the correct account information. However, my credit report still shows discrepancies. For instance, the date of the last payment for this account, according to XXXX XXXX, is XX/XX/XXXX, but my Experian report does not display any data in the date of the last payment field or the two-year payment history. This is neither accurate nor complete information. Attached, please find a screenshot of my credit report and XXXX XXXX 's response dated XX/XX/XXXX. 

Similarly, I am encountering the same reporting issue with the XXXX XXXX account on my credit report. Despite XXXX XXXX confirming all payments made for the account in their response dated XX/XX/XXXX, my Experian report lacks a date of the last payment and any data in the two-year payment history. Given that this account was opened on XX/XX/XXXX, the absence of payment history data is inaccurate and incomplete. Attached is a screenshot of my credit report and XXXX XXXX 's response. 

Concerning the chapter XXXX bankruptcy with reference number XXXX, Experian 's investigation results on XX/XX/XXXX, stated that " The company that reported the information has certified to Experian that the information is accurate. '' However, my inquiry with XXXX, Experian 's supposed source for public records, resulted in obtaining a Consumer Report dated XX/XX/XXXX, which did not include any public records. This certification by Experian is misleading and inaccurate. 

Enclosed, please find copies of my dispute letter, Experian 's investigation results, responses from XXXX XXXX  and XXXX XXXX a XXXX XXXX Report Table of Contents, and screenshots of my 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion site does not work and what I attached is one of many I have which will be presented in arbitration or litigation. I can not access your credit report, file a dispute, or access my information for over a year. Since XXXX. I have emailed, called. I was told I am committing fraud and asked to send my social Security number, my Driver Lisc and my mortgage statement.

I have tried to go through annual credit report and because I complained I am being weaponized. The last report I gave in my possession is from XX/XX/year>. Report XXXX. I have emailed higher ups and ignored and being told I committing fraud by trying to access my own report. I have reported to the FTC. The evidence speaks for itself. I have extensive proof. My attorney also mailed a demand letter to Transunion and ignored. How is it possible that for over a year I can not obtain my own credit report. I have had the same information in my credit report. To falsely accuse me of fraud and weaponize because I told the truth. I have every digital footprint when I tried to log in.

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AE

Complaint narrative:
I have a transaction that I have disputed with XXXX Goldman Sachss and the dispute keeps going into the merchants favor I never paid {$200.00} at a kebab shop

Company response to consumer: Closed with explanation