vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: DC

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. 

Accounts names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. and according to the Fair Credit reporting Act whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) The consumer Reporting Agency treatment of inaccurate or unverifiable information is to Delete the account from the consumer report in which it relates.

( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall -- Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 

Also, according to 15 USC 1681s 2 - The consumer reporting agency shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-09-09 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:
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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX NSS : XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX NSS : XXXX SECURITY FREEZE

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 2024-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I logged on to my MOHELA account to see info about when my forbearance ends, only to see INCORRECTLY that my recertification was due XX/XX/year> - this was despite the Department of Ed. postponing recertification until XX/XX/year>. Upon calling, I was told both by Dept. of Ed and MOHELA that my recert. is actually due XX/XX/year>. HOWEVER, I see that nowhere in writing, and I have no idea what information I need to provide. This despite the Department of Ed requiring 90 DAYS notice before recertification. And after waiting XXXX minutes on hold, I was transferred to a MOHELA supervisor, only to hear the office laughing and goofing off amongst themselves ; I kept calling out, but no one could hear me or was aware I was on the line. NO ONE WORKS, but they get paid? *Finally, * after an hour, I reached a supervisor who told me point-blank they are out of compliance, giving 60 days notice ( the website clearly says 3 months, so 90 days ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: GA

Complaint narrative:
An agent I was speaking with XX/XX/year> between XXXX with XXXX XXXX XXXX  XXXX XXXX XXXX I contact to get details as to why the money I suggested to be withdrawn from my bank account had not been withdrawn and added to the XXXX new accounts I set up online and to have XXXX of the accounts which is a XXXX account deleted due to creating error. The agent gave me details as to why and the next steps I needed to take for the funds to transfer, I asked about the debit card how will I receive it she gave some details then stated they have a XXXX XXXX with no annual fee etc. I was like nice okay. She then asked Me questions and got to a point stating with my consumer report she will have to verify who I Am. I said okay thats fine you can verify Me. So she started asking more questions and I answered then I let her know You can verify Me just dont run my credit I dont want any hard pulls dont want my credit ran. While on the phone with agent I received an alert from Equifax when I opened message it says Someone had checked my credit and did a HARD pull. I asked the agent XXXX did you just pull my credit I told you I didnt want my credit ran I did not authorize you to do a hard pull on my credit. She starts saying oh this was for a credit card etc. Not XXXX time before running my credit when she said they had a XXXX XXXX did she say it was a Credit card she was saying it as if it was a debit card. I immediately was like XXXX I told you no hard pulls on my credit and you never said anything about a credit card I did not have any inquiries on my report before she did that she was misleading did not give correct details I informed her why would I apply for a credit card over the phone when I can do a pre approval online for a soft pull I know that so why did she do that. I asked to speak with a supervisor to escalate the call. She says she couldnt get a sup they would have to call Me back within XXXX. Nooo XXXX  I need to speak with escalation now because I did not authorize you to run my credit especially said No hard pulls verifying who I Am and running my credit is not the same the agent used jargon and was misleading. I spoke with sup she advised they would dispute I asked her to pull the call and she will hear I clearly stated do not run my credit I dont want any hard pulls. Spoke with Equifax they gave Me the details to contact FCT to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: CA

Complaint narrative:
someone applied for credit in my name that I did not authorize.

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 2024-09-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a Consumer I have the right to a fair and accurate credit report. 15 USC 1681e ( b ) ensures that CRA 'S follow reasonable procedures to ensure maximum possible accuracy of the info being furnished about me. I have late payments on my latest report that are not being reported to the maximum possible accuracy. 15 USC 1666b ( a ) ensures that late payments be reported using reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am requesting proof in the form of documentation from CRA 's that shows Santander Consumer used reasonable procedures from 15 USC 1666b ( a ) and that CRA 's used reasonable procedures from 15 USC 1681e ( b ) to ensure the info was accurate before posting it to my 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 non-monetary relief
Consumer complaint received 2024-09-09 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: PA

Complaint narrative:
My account with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was charged XXXX times by XXXX, on XXXX separate months. First man that occurred they reimbursed the charges and the charges were placed back in my account the following day. The second time it occurred the transactions were reversed on a Wednesday and Navy Federal credit Union place them in a pending status that Wednesday. That Friday the transactions fell off pending status and we're not part of the account at all. On Saturday the transactions went back into a pending status and track phone has confirmed that those payments have been paid and placed back in my account which they have not. As stated the transactions were on their Wednesday dated for Wednesday Friday they dropped off as if posting, and Saturday they were back into a pending status. This is the type of XXXX discriminatory and illicit activity that is carried on by the Navy Federal credit Union and members money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against USAA regarding numerous violations associated with my consumer auto loan. My experiences with USAA have been marked by deceptive practices and factual inaccuracies that have significantly impacted my financial standing and overall confidence in their services. 

Background of the Complaint I had an auto loan with USAA that was charged off several years ago. Since that time, I have received multiple refund checks from USAA for payments made on my account. However, these checks were issued long after the loan was charged off, raising concerns about the handling and crediting of my payments during the life of the loan. 
Deceptive Practices and Unfactual Responses Lack of Access to Information : USAA claims to have sent me documents regarding changes to my consumer loan ; however, they deceptively removed my online access. Despite my repeated requests, they failed to physically send me any documents, statements, or loan documents of any kind until after the loan was charged off. They only provided documents via XXXX, which I was barred from accessing. 

XXXX XXXX XXXX : USAA has claimed that they refuse to conduct further business with me, yet I continue to receive requests to apply for new credit cards. This inconsistency raises serious doubts about their stated intentions and business practices. 

Refunds for Misapplied Payments : USAA has sent me refunds related to my auto loan and credit cards, which they mishandled. They failed to properly apply payments, mishandled disputes, and did not honor the final results of their fraud investigations. The numerous refund checks I received years after closing my accounts indicate that USAA was at fault, despite their accusations against me of improper actions. 

Request for Investigation Given the circumstances described above, I am requesting that the Consumer Financial Protection Bureau investigate USAA 's practices in managing my auto loan account. I believe that their actions may violate consumer protection laws and regulations designed to ensure fair and transparent lending practices. 

Conclusion I appreciate your attention to this matter and hope that your investigation will help ensure that USAA adheres to the legal and ethical standards expected of financial institutions. If you require any additional information or documentation to support my complaint, please do not hesitate to contact me. 

Thank you for your assistance in addressing this important 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 explanation
Consumer complaint received 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX Hyundai Accent from a dealership in New York XXXX called Hyundai of XXXX XXXX XXXX. I was informed that the previous owner had a lien on the vehicle and was unable to complete her payments, so she resold it to the dealership. I paid for the car in full using a cashiers check and received the bill of sale. Since I was living in New Jersey at the time, the vehicle was registered there. 

In XXXX, I attempted to transfer the vehicles registration and title to my new state of residence, Maryland. During this process, I discovered that XXXX XXXX XXXX records still show a lien on the vehicle. I never took out a loan or had a lien on this car, as I paid for it in full in XXXX. 

I reached out to the dealership where I purchased the car, only to find out that it has since closed and was bought out by a new Hyundai dealership, which does not have access to the prior dealerships records. 

After weeks of contacting Hyundai Capital America and speaking with multiple representatives, I was informed that Hyundai has no records they are willing to release regarding the sale and that they do not have a lien on record for the vehicle. They claim the issue is with the XXXX in New Jersey. However, after spending countless hours on the phone with the XXXX, I was told they can not remove the lien without proper documentation from Hyundai, such as a release of lien or a letter of no interest. 

Hyundai Capital America has refused to provide these documents and has not offered any solutions to resolve this matter. It seems that when I purchased the vehicle, the previous owners XXXX was either fraudulently or mistakenly not removed, and now Hyundai is refusing to help correct 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 explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 response to consumer: Closed with explanation