vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
In or around XXXX of the year XXXX XXXX- XXXX XXXX The Consumer began to receive postal letters from the Corporation at question that is SPRING OATS CAPITAL LLC stating that the consumer allegedly owed debt to the Corporation- The Consumer did request any written agreement between SPRING OATS CAPITAL LLC and The Consumer ; The Corporation did not provide the requested information- After requesting and not receiving any evidence of any binding agreement between SPRING OATS CAPITAL LLC and The Consumer- The Consumer did query who furnished The Consumers PRIVATE and or NON PUBLIC INFORMATION - After requesting and not receiving any response on from where the Corporation received The Consumers Private information- On XX/XX/XXXX The Consumer did opt out of any presumed or implied authorization for SPRING OAKS CAPITAL LLC to share or access any NONPUBLIC INFORMATION- and did give notice to SPRING OATS CAPITAL LLC in regards to their willful noncompliance committed in regards to The Consumer 's rights and the violations thereof-

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After review my credit accounts it has come to my attention that my rights under the FCRA of 100 % accuracy of information reported on my consumer reports are being VIOLATED. There are NUMEROUS inaccuracies and inconsistencies across the credit bureaus that make a FAIR representation of my credit worthiness impossible. These are the issues I have : 1 ) The Date Opened are inconsistent and/or inaccurate across the bureaus 2 ) The Balances are inconsistent and/or inaccurate across the bureaus. My understanding is that a charge-off account SHOULD NOT report a balance. It SHOULD be {$0.00}.

3 ) The High Credit is inconsistent and/or inaccurate across the bureaus 4 ) The Past Due is inconsistent and/or inaccurate across the bureaus 5 ) The Last Reported is inconsistent and/or inaccurate across the bureaus 6 ) The Date Last Active is inconsistent and/or inaccurate across the bureaus These NUMEROUS inaccuracies make a FAIR consideration of my credit worthiness next to impossible. I am unable to obtain new credit in order to purchase a new home for 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 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I paid off my car loan ( XX/XX/XXXX {$410000.00} ). After that, the automatic debit charged XXXX more payments on the car ( XXXX, and XX/XX/XXXX each {$20000.00} ). When I found out, I took it off automatic debit so they wouldn't charge me any more installments. Since XX/XX/XXXX, I have been trying to get this money back and have not been successful.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like to address issues concerning the continuous reporting of incorrect addresses on my credit report. They can not verify, because there is nothing I have ever signed stating Ive lived at the addresses I am telling them are wrong.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following inquiries. I did not owe this debt and it does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was going to clear up a debt I knew I owed with Paypal Credit. I called the original company XX/XX/XXXX at XXXX and was informed the debt was transferred to a paypal collections the number they gave me was XXXX. Called the number was infromed it was transferred to another company called XXXX and XXXX. 

Called them and was informed how the debt was sent to them I asked did they try to send me any paperwork in the mail and they stated they did not. I let them know only because when she told me the address I no longer live there. And I did update address with paypal. I updated my mailing address on file with XXXX & XXXX and said please send anything here. That was XX/XX/XXXX. 

Gave me a file number and said they would send the agreement via email. I got it and sent them 2 payments so far. Emailed and called to let them know it is a struggle to pay the third payment and was told nothing she XXXX do about that since I agreed. She put a note in that I would make the payment late. That was on XX/XX/XXXX when we actually spoke to a person. 

I was then informed I needed to send a signed copy back of what she sent me on XX/XX/XXXX. I told her I thought I did respond, but in the end, I really do not remember anyone saying please sign and send back. Just they would write up the agreement and send to me. And in the email it does not state to please sign the settlement agreement. I just saw the first page and put the email saved as important. Not familiar with a law frim debt collector. 

Now that I actually read past the part of what I owe I see a case number that is titled with the court information. I look up the case number in the system. And it is a pending judgment and something stating I have been served. But where and when? I see it is my old address and I do not live there anymore. And after I informed the company of my proper address I see they continue to let communication go there. 

So now I need an understanding of how am I suppose to work with them if they can not work with me and give me correct direct information. But I guess because they are a lawfirm they over power me. And the old address is in another jurisdiction. Plus my ID and credit report all state new address. 
And the agreement they want me to sign has my new address on it but that is not what is on record for the court. 

This is unfair

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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: GA

Complaint narrative:
I was looking at my report and noticed there were some things that was not correct. I sent a letter to Experian on XX/XX/year>. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Instead of responding back with the results. They sent a stall letter stating that I am working with a credit repair company in which I'm not. I did use a software to help with the letters. There is no law stating that I can not use a software or seek professional help if I choose too. I also submitted a copy of my drivers license, proof of residence and my social security card to verify my identity.

Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re investigation.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re investigation.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief
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: U.S. BANCORP
State: NJ

Complaint narrative:
Elan Financial Services fraudulently used my nonpublic personal nancial information by disclosing said private information to nonaliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bailey-Act ( 15 USC 6802 ). Elan Financial Services is depriving me of my rights under the color of law ( 18 USC 242 ) and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). Said information was shared without authorization nor consent to nonaliated third parties, including but not limited to XXXX, XXXX and XXXX Consumer Reporting Agencies by way of identity theft ( N.J.S.A. 2C:21-17 ) and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Back in XX/XX/XXXX, I submitted a forbearance request with the dates to start XX/XX/XXXX and end XX/XX/XXXX, which the forbearance was approved. Some loans totaling {$42000.00} was approved XX/XX/XXXX and forbearance resumes on XX/XX/XXXX. The rest of the loans were approved XX/XX/XXXX and resume on XX/XX/XXXX. Now they are stating that the loans are due XX/XX/XXXX. I have been asking where this date came from, when I just applied on XX/XX/XXXX to see if the forbearance could start on XX/XX/XXXX through XX/XX/XXXX due to finding a place to live. No one can explain how these dates are changing. They are saying that the dte can't be changed. But yet, I applied for forbearance back in XX/XX/XXXX and submitted another one and the date was updated to start XX/XX/XXXX and end XX/XX/XXXX. I didn't realize that I did it early. I just went by the correspondence that was sent to me that the loans were coming up to be due XX/XX/XXXX. I have been getting the run around with Aidvantage and these dates, which is holding me back from finding a place to live. Yet, Navient has my loans in forbearance until XX/XX/XXXX, because I applied for forbearance the same time I did Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital added an erroneous debt for XXXX to my credit report. This debt has been bought and sold several times from different collectors. This debt has been identified as a debt accrued due to identity theft. My identity was stolen and a police report as well as Identity theft affidavit provided to the original owner of the debt and the collection company as well as the Credit reporting agency.

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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a formal complaint concerning a misleading loan application process I experienced with Navy Federal Credit Union, which has subsequently resulted in harm to my credit score. This communication is a request for an investigation into the practices of the aforementioned institution and a plea for remediation regarding the adverse impact on my credit report. 

I applied for a used vehicle loan through Navy Federal Credit Union on XXXX XXXX, specifying a desired loan amount of {$30000.00}. During the application process, I was asked to indicate a down payment, which I set at {$10000.00}, as the total vehicle price was approximately {$42000.00}. Notably, the application did not request the purchase price of the vehicle. Based on the information provided, I was initially approved for a loan of {$20000.00}. In so much that I had requested a higher loan amount, I requested a revision, resulting in a revised offer from Navy Federal Credit Union for a 10 % increase, totaling {$22000.00}. 

Upon further discussions with representatives from Navy Federal Credit Union on XXXX XXXX, I encountered discrepancies in the approval process. Despite receiving an electronic communication with the subject line " XXXX! We Approved Your Loan '', representatives informed me that the application had not been fully approved. In a conversation with XXXX XXXX, a customer service representative, it was confirmed that the approval process involved deducting the down payment amount from the requested loan amount, without considering the vehicle 's value or the total purchase price. XXXX XXXX was empathetic with my situation and further explained that to secure a higher loan amount, a new application would be necessary, and could not assure me that this would not entail another credit inquiry. 

The situation escalated when, upon speaking with a manager, I was misinformed that the application process required the input of the vehicle 's total purchase price. This was contrary to my experience of completing the application on a mobile device, where only the desired loan value was requested. This inconsistency and the misleading information provided have led to confusion and concerns regarding the loan application process and the potential impact on my credit score.

In conclusion, the misleading information provided by Navy Federal Credit Union during my loan application process has not only led to unwarranted stress and financial instability but has also unjustly damaged my credit score. I trust that the CFPB will address this complaint with the seriousness it warrants and take appropriate action to prevent such misleading practices in the future.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to XXXX XXXX XXXX about a debt that they are reporting on my credit profile without my consent. I have never had an account with these company and I have notified them of the dispute of the fraudulent account and told them they was in violation of my rights by sending me collections letters to my home and reporting the fraudulent account to my profile without my consent and any validation of the accounts. I also notified them and let them know i was a victim of identity theft and also was a victim in the XXXX data breach and I provided them with my data breach engagement number as well and that this account is not mine. 15 US 1681 b permissable purpose of consumer reports ( a ) in general subject subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it may relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. 
As a consumer I am demanding the deletion of the account IMMEDIATELY. 

15 US 1681 c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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