vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities 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 2024-01-10 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: FL

Complaint narrative:
On XX/XX/2023 I submitted a formal complaint to all XXXX credit bureaus ( Experian, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in regards to reporting inaccurate and incomplete credit information in reference to the Fair Credir Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

On XX/XX/XXXX I submitted a second dispute letter in reference to the same issue via no update. 

It has now been passed 30 days and no investigation results have been emailed or mailed 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 explanation
Consumer complaint received 2024-01-10 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: GA

Complaint narrative:
I was a victim of identity theft and this company is still reporting these fraudulent accounts ; XXXX XXXX, XXXX, XXXX XXXX XXXX on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights

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 2024-01-10 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: GA

Complaint narrative:
I was a victim of identity theft and this company is still reporting these fraudulent accounts ; XXXX XXXX, XXXX, XXXX XXXX XXXX on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights

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 2024-01-10 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: PA

Complaint narrative:
XXXX XXXX My loans were placed into administrative forbearance with Mohela due to miscalculation of payments and how much was owed. My loans are accruing interest to this day even though they are supposed to be in forbearance. 

XXXX XXXX Mohela is saying that I missed my XXXX payment when it was paid ( with bank statements for proof ). My loans are still accruing interest. 

I have all paperwork from Mohela and emails. I have spoken to the company many times being dismissed or not reaching a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Harris & Harris, Ltd.
State: WV

Complaint narrative:
Have spoke to this company multiple times in which a set amount is taken weekly to pay the debt. They continue to send threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
XX/XX/2024, The incident began with a negative encounter involving XXXX of the staff members who, in addition to refusing to answer my questions, engaged in threatening behavior, intimidation, and offensive language. Frustrated by the situation, I declared my refusal to allow the repossession and informed the individual that I would be calling the police, especially since they failed to produce a repossession court order upon my request. 

The staff member 's actions escalated to the point of causing a breach of the peace, a clear violation of 10 USC 916, and involved provocative gestures, contravening 10 USC 917. Furthermore, the company committed offenses under 10 USC 921 for larceny and wrongful appropriation. 

As I contacted the police during the alarming confrontation with XXXX XXXX, the responding officers arrived within XXXX minutes. The police official, while acknowledging his limited knowledge of repossession laws, confirmed that the company failed to notify them, violating the proper procedures. Additionally, he recognized the company 's trespassing on my property, even going so far as to use a device to open a closed gate, violating Ohio 's trespassing laws. Trespassing, as defined by legal precedent ( Triscony v. Brandenstein, 1885 ), occurs with wrongful entry onto land in the possession of another. 

All these infractions are subject to punishment as determined by a court-martial. The police officers involved in addressing the situation had badge numbers XXXX. It is essential to emphasize that repossession agents must adhere to proper procedures and documentation when seizing a vehicle, a standard that this company failed to meet in this particular incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
XX/XX/XXXX I attempted to open a credit card at a business. The customer service department for the business stated the credit card could not be approved because I had an XXXX XXXX account that was in collection. I never opened this account. After further investigation, I discovered that the account was being handled by Sunrise Credit Services for collection, and it was opened in XXXX of XXXX. I found the account had an invalid address on file, but they refused to give me more information about the account other than that the amount owed, {$1800.00}. I reported the fraud account to XXXX XXXX, but without an account number, I could not access any more information about it.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one keeps calling me after I told them to only contact me through mail. I asked them to correct the information on my credit report as it is incorrect and goes against FCRA and its my right to have a correct credit report. This account shows as a charge off as bad debt but yet has a past due balance of XXXX and they continue to call to get money after they have already charged it off on XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: IL

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2023 a debt was added to my credit file. I was given no previous correspondence as to the debt existing. I called XXXX XXXX  that XXXX  to inquire and promptly paid the balance. However Transworld is still reporting this dept and refuse to send me a deletion of account letter or paid in full letter. I am scheduled to close on a home in XXXX weeks and this collection has reduced my score to below the qualification level. I have a large earnest money deposit on the line. The original bill is not my home and I am doing further investigation to see where the charges are coming from. Meanwhile I have made the creditor whole and need this rectified immediately.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
XXXX credit card put a hold on my account do to return payment from my checking at XXXX XXXX, where I receive direct deposits from my job and receive or make XXXX XXXX payments. They have yet to remove the hold and cant reach cash app. My balance is {$0.00} on my credit card as its paid in full. Its been on hold for attests 30 days from 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 2024-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: OH

Complaint narrative:
I am trying to refinance my car from Flagship Credit to someone else. 
I submitted the application on XXXX 
I got a call from the company I applied to on XXXX and they told me my account at Flagship is marked as closed on my credit report so they can't pay off my balance and can't complete the refinance. 
I called Flagship on XXXX minutes after speaking with the other company and advised them of what I was told. 
Flagship stated that they would look into it and email me an update within 3 days. 
I never got any info back or email. 
I called the other company XXXX to ask about the status of my application and they told me my account is still marked as closed. 
I tried calling Flagship back on XXXX and was placed on hold for someone in the credit department and waited 20 minutes before I had to hang up.

I tried the same thing today, transferred to credit department and then disconnected.

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 2024-01-10 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I Have Hard Inquiries On My Credit Report From Lightstream Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX. I Have No Acknowledgement Of These Inquiries.

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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This bunch of crooks LVNV aka Resurgent Capital who have been sued by the government and others repeatedly have placed three listings for collections on my credit report with XXXX and XXXX am sure XXXX and XXXX as well that I was never even sent a letter to verify as my debt!!! They are breaking the FDCPA and I want all accounts removed immediately and they are to cease and desist all further contact with me or my family or anyone I know or XXXX  will sue them!!! I disputed the accounts yesterday with XXXX and they did nothing but respond to them today and put a note that I dont agree!! I want all account documents for every charge ever incurred and the application with my signature on it provided to both your office and myself! They need to be SHUT DOWN!!! Enforce the FDCPA and FCRA!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX XXXX A personal loan and a credit card which was opened separately. Overtime, either XXXX or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, XXXX XXXX had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section XXXX681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and XXXX XXXX by continuing to report old and unverified information.

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 2024-01-10 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:
Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX XXXX A personal loan and a credit card which was opened separately. Overtime, either XXXX or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, I havent had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and credit score by continuing to report old and unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: MOHELA
State: MI

Complaint narrative:
Hello, I have several issues with Mohela but I'll stick with the major issues as of right now. 1. I filed to have my loan switched from XXXX to XXXX in early XXXX. They received my application on the XXXX of XXXX ( I thought early XXXX but I was incorrect ) but they have failed to switch my loan. I have called them several times, and the customer service people keep telling me that the switch should take 5 days, that they've " escalated this, " they don't know why it's taking so long, issue, '' but yet nothing has changed. The difference in payment is over $ XXXX and they've costs me several XXXX of dollars at this point. I moved to the XXXX plan because Mohela told me I wouldn't qualify for PLSF otherwise. I stayed on the plan for a few months, then spoke to XXXX, and they told me that this advice is false. This means that Mohela is hiring and training people who uniformly either don't understand PLSF or that Mohela has specific people who are providing incorrect information. Either way, this has cost me money. I have reached out to Mohela via email and phone and their response rates are terrible via email. I just received an email on XX/XX/XXXX regarding an email I sent on XX/XX/XXXX. The email explains that I should receive a response in 15 business days. This is an outrageous amount of time to wait for an email reply. They are basically saying that it takes them over a month to even acknowledge my email. I've never heard of a company needing over 2 months to respond to customers. I also contacted XXXX ( case # XXXX ) on XX/XX/XXXX and they have not responded. My case says pending and when I called to inquire about a timeline they said they do not have a timeline for the case manager to respond AND that they also don't have a timeline for when the Ombudsman will reach out to me. I am being defrauded and failed by Mohela and XXXX is also failing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation