vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/XXXX, after finding out that someone opened multiple credit cards in my name fraudulently, namely at issue, Bank Of America credit card account, in the amount of {$4300.00}. XX/XX/XXXX, I filed an FTC identity Theft report, FTC Report Number XXXX listing the account in question. I notified Bank of America, XXXX, XXXX, and XXXX that i am a victim of identity theft and sent them all copies of my FTC report. 

In violation of my rights under 15 USC 1681 s-2 ( B ) Bank of America continues to furnish inaccurate information about me to the consumer reporting agencies, and all three consumer reporting agencies continue to publish this inaccuracy on my credit report in violation of my rights under the FCRA.

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 2024-02-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-19 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: FL

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  XXXX - Account XXXX My parent has the same name as me XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX  XXXX - Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX XXXX XXXX - Account 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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On XX/XX/XXXX, hard inquiry on my account from the following company : SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX a new account shows being opened SYNCBXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX This was done without my consent or knowledge

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 2024-02-19 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: IL

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

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 2024-02-19 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: ME

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.

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 2024-02-19 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: OH

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. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EXP XXXX  XXXX XXXX  XX/XX/2023 EXP 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 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
I purchased a used XXXX  XXXX XXXX XXXX year ago this month after a XXXX puchased that was only operational for XXXX year died and was too costly to fix. This XXXX situation is still pending arbitration with NJ Consumer Affairs. As a result of the XXXX having a XXXX loan debt to roll over into the XXXX, I was asked to place XXXX on the loan for reasonable payments. After putting XXXX or so into the XXXX I did not have any money to give. My XXXX  who was with me to purchase the XXXX from XXXX was willing to lend me the XXXX and was figuring out how to get it to me that moment. The other option I was told by the saleman XXXX was to not put any $ $ down and have XXXX car payments. I asked this XXXX if it's able to be refinanced and he said yes. As I attempted to refinance this crazy 28 % interest rate on 72 months. I was told that I can't refinace it because it's over XXXX XXXX XXXX. I paid XXXX on the car and my balance only went down a tiny bit compared to what I paid. This is not sustainable. I have been trying to get a personal loan and that isn't working because now I am struggling financially so my credit takes hits. I am XXXX and so is my brother who accompanied me. XXXX XXXX XXXX doesn't work with you. They blamed XXXX and XXXX won't do anything. Please note there are hundreds of complaints about this sort of high interest rate scam on XXXX  regarding ACA. They are hurting a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: HUNTINGTON NATIONAL BANK, THE
State: NV

Complaint narrative:
On XX/XX/XXXX and XX/XX/2023 I saw 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX  that said he worked for the XXXX XXXXXXXX XXXX XXXX. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FC HoldCo LLC
State: NV

Complaint narrative:
On XX/XX/XXXX and XX/XX/2023 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX that said he worked for the XXXX XXXX XXXX XXXX. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: ND

Complaint narrative:
My student loans have been forgiven. My loans were consolidated through Mohela. I received a letter from Mohela on XX/XX/2023 that my loans had been forgiven as part of the XXXX XXXX XXXX one-time account adjustment. The letter stated that the forgiveness was effective as of XX/XX/2023. 

It is now XX/XX/XXXX and my loans are still listed on my credit report as not being paid in full and/or closed. The full balance still shows with Mohela as the servicer. 

Mohela states that they update their information to credit bureaus every 30 days and that the adjustment to my credit report could take up to 90 days. It has been much longer than that. 

I attempted several times to speak with someone at Mohela to talk about this issue and was unsuccessful. 

The balance listed on my credit report with Mohela is {$42000.00}. It also says that Mohela last reported on this account on XX/XX/2023. The balance listed on my account on the Mohela website is {$0.00}. The balance listed on the Department of Education website for my account is {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had several illnesses and I ended up in the hospital after XXXX twice. During such times I was not home and information was issued without my authorization such as credit cards and other items. This particular credit card is one of them, a XXXX card ending XXXX. I have tried in multiple occasions inform Rusergent or LVNV Funding to please understand of the XXXX XXXX  situation but they have ignored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Acima Digital FKA SIMP XXXX XXXX XXXX XXXX FL XXXX UT XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
I am writing to dispute the accuracy of the XXXX XXXX account appearing on my Equifax credit report with I have never opened an account with XXXX XXXX and have no knowledge of this debt. I believe this account is the result of either identity theft or mistaken identity. 

I contacted XXXX XXXX directly and requested proof of a signed contract for this account. As of XXXX I have not received any documentation or response from the company, nor have they removed the account from my credit report. 
Therefore, I am requesting that you immediately investigate this dispute and remove the XXXX XXXX account from my Equifax credit report. Please note that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please find attached copies of my communication with XXXX XXXX as supporting documentation. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that the disputed account has been removed from my report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
There are incorrect information on my credit reports ( from XXXX, XXXX, XXXX ). I did not have any account or business with XXXX XXXX XXXX, XXXX XXXX XXXX  or its affiliated companies. I do not know why there is a charge of {$4600.00} from these companies on my credit 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 2024-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo stated that they were unable to fulfill the request to include the four-digit zip code for creditors with po box addresses. The United States Postal Service mandates this information for accurate and prompt mail delivery, particularly for bill payments. I am now faced with the options of either writing checks and mailing payments to my creditors or authorizing direct fund withdrawals from my account. Neither of these options align with my preferred method, as I have historically managed my accounts by utilizing online bill payments through my checking account. 
This situation necessitates that I either incur extra expenses for stamps and envelopes to mail my payments or opt to allow direct access to my account for bill payments, both of which are not in line with my preferred method of managing my accounts through online bill payments via my checking account.

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 2024-02-19 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 insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation