vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America will not find my account even I keep making claims through the dispute department. I am a victim of Identity theft.

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 2024-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
Dear Toyota Motor Credit ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 
Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature. Complete account history, including collection-related charges. I am filing a formal complaint citing violations of my
consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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 am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: NY

Complaint narrative:
I have my student loans in repayment through Mohela. I recertified earlier this year about 1 week prior to the new order stating that the you do not need to recertify and it would be pushed out a year and if you recertified already it would automatically be reverted to your prior payment. I recertified on XX/XX/year>, and the order specifically references XXXX recertifications being reverted back. I waited to for this to happen but ultimately had to make a payment in XXXX for about {$2900.00} instead of about {$210.00} because they did not fix it and I didn't want to miss making a payment and get penalized. I then allowed a little more time before my next payment to see if it would get fixed but of course it was not. On XX/XX/year> I called Mohela and they placed me in forebearance for 2 months so that it could be fixed. I was then notified today, XX/XX/year>, that my payments are out of forbearance at the {$2900.00} rate basically they didn't fix it at all. I have been seeing through online support groups that this is a systemic problem with them not fixing this issue therefore I am filing this complaint because I have zero faith they will do it when I speak to them again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Dear Spring Oaks Capital ; Synchrony Bank ; & Cfpb ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-23 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: FL

Complaint narrative:
While reviewing my credit profile I came across inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-23 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:
Back in XXXX I applied to the SAVE repayment plan. Mohela received my application and began the process of reviewing it on XX/XX/year>. On XX/XX/year> I received a message from Mohela claiming a processing delay. I was placed in administrative forbearance XX/XX/year>. My loans were then sent to XXXX XX/XX/year>. When I reached out to FSA about the application still being " processed '' in XXXX, I was told to reach out to XXXX. When I reached out to XXXX, I was told that Mohela never reported that I had applied to the SAVE plan. No one has any answers as to why my application back in XXXX was not processed. As of this afternoon, FSA still says my application is " under review ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 6
17 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2024-07-23 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'm seeking your help regarding an inaccurate account listed on my credit report. This matter is affecting my reputation, and I need your intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: RI

Complaint narrative:
Dear Spring Oaks Capital ; XXXX XXXX  ; & Cfpb ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection. 
1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: AZ

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Previously filed complaint XXXX unresolved as of today. See that complaint for a detailed explanation of what happened. Long story short my XXXX  is not working under my new phone number XXXX. 
As of filing first complaint, 1 month ago, I've received no phone calls or emails from Ally. Only a response to the first complaint that they are 'looking into it ' which is not a resolution. 
This lack of follow-up or care is disappointing. I am writing this to say that I am going to give it 1 more month to see if my zelle can be fixed. If not fixed by XXXX. I will be closing out my account and going with another bank.

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 2024-07-23 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: NC

Complaint narrative:
I am reporting that there are some negative items on my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true

Company response to consumer: Closed with explanation