vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX miners XXXX XXXX XXXX XXXX Nv, XXXX BK of Amer XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Clarification on Loan Charge-Off and Rescission Rights under 15 U.S. Code 1635 Dear Bank of America , I am writing regarding the status of my loan account, specifically the recent charge-off notice. I would like to address my rights under 15 U.S. Code 1635, which pertains to the right of rescission under the Truth in Lending Act ( TILA ). 

This law provides borrowers the right to rescind certain loan agreements within three business days from the date of the transaction or the date of receiving required disclosures, whichever is later. Additionally, in cases where the necessary disclosures were not provided, the right to rescind may be extended up to three years from the transaction date.

To ensure compliance, I kindly request the following : 1. Full Disclosure Documents : A copy of the original loan agreement and all disclosures provided at the time of the loans initiation.

2. Itemized Accounting : A detailed breakdown of the charges, interest, and payments associated with the loan.

3. Verification of Charge-Off : Documentation substantiating the charge-off, including the date and amount.

If disclosures were not properly provided as required by TILA, I may have grounds to rescind the loan agreement. Please review my account and provide clarification on this matter within the timeframe mandated by applicable laws.

I look forward to your prompt response to resolve this issue amicably. Please direct all correspondence to the address listed above or contact me at XXXX. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-06 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: TX

Complaint narrative:
I have discovered unauthorized information on my credit report, which I did not approve or consent to. This breach is unacceptable and is causing significant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from Target XXXX  Card dated XX/XX/XXXX stating " an authorized user asked to be removed from your Target Credit Card account. We made this change on XX/XX/XXXX and deactivated their card at that time. I called immediately and asked how this letter could have been generated on this date because I removed my ex-husband as an authorized user on my Target account in XXXX, XXXX. I received all types of excuses including " it was a system glitch '' until I finally reached XXXX the Supervisor of the XXXX XXXX who researched and told me that on XX/XX/XXXX my ex-husband called and she used his first name, not once but twice but she couldn't tell me what was discussed. I asked her why anyone would discuss my credit card account with anyone other than me since I am the only XXXX on the account. XXXX said that if a caller calls in and has my name, address, telephone number and Social Security number they can discuss my account with them because they assume it is me. She stated that nothing was done, no card was deactivated as the letter stated and no one was removed from the account since I requested his removal in XXXX of XXXX and Target generated a letter confirming in XXXX, XXXX. She would not email the XXXX letter to me. When I said that my privacy was violated with those phone calls she said that since it wasn't a case of fraud her department doesn't handle violation of privacy issues and Target doesn't have a department that handles violation of privacy issues. At that point the call was disconnected and the whole thing took approximately 3 hours. My assumption is that Target did not remove my ex-husband as an authorized user on my account in XXXX as I requested otherwise information would not have been discussed with him on XX/XX/XXXX and the letter dated XX/XX/XXXX would not have been generated. My divorce was final in XXXX of XXXX. I am shocked at the violation of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Informative XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-12-05 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: NY

Complaint narrative:
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. 

According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections.

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 2024-12-05 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: TX

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2024-12-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NH

Complaint narrative:
This is a formal request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency , block the fraudulent information appearing on my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. Specifically, I am reporting a fraudulent late payment associated with an auto loan account ( Account Number : XXXX ) opened at XXXX XXXX  on XX/XX/year>. This fraudulent late payment, reported as occurring in XX/XX/year>, has caused a delinquency on my consumer FICO credit report. I do not recognize this late payment, and I affirm that it is the result of identity theft and fraud. As supporting documentation, I have included an FTC Identity Theft Affidavit and FTC Criminal Complaint # ( XXXX ), which verify that this and related late payment ( XX/XX/year> ) is fraudulent. I demand immediate action to remove and block this fraudulent late payment from my credit report within the 4-day timeframe specified by law.

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 2024-12-05 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: NC

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report and have no idea why theyre there. I checked my credit report like I usually do, but this time, I noticed unexplained discrepancies. I even refreshed my browser thinking it might be a glitch, but the unauthorized inquiries remained. I am extremely frustrated with this issue and urgently request a thorough review of the documents Ive submitted so I can stop worrying about this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: IA

Complaint narrative:
Reviewed most recent credit report and I noticed inquires that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> After reaching out to the creditors, I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and removed as they do not have the ability to do so. After contacting the CRA I was met with push back even though I expressed the inquiries in question did not belong to me and the creditors agreed are not attached to any file or application they have with my accurate personal information. Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
The debt is from XXXX XXXX XXXX XXXX XXXX for {$840.00}. I called them and told them I am not paying this debt. The statue of limitations is 6 years. This debt does not appear on my credit report. I will not be harassed over this and I don't even remember the debt. It's XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX XXXX XXXX. They need to stop sending me a statement for this debt I am currently paying 2 debts with them that I know I am responsible for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NH

Complaint narrative:
I paid off several loans in full and received confirmation of this. Several months later they added money back to these loans and won't remove it. They say I need to pay it now and they give the money back once this point is clarified, but I won't pay because I doubt this money will ever be repaid to me. 

I attached the certificate stating I paid in full, and the current balances where they added money back ( Loans 1-7 ).

I called and they " don't know the problem and may take up to XXXX business days to resolve ''. I have the receipts so this should be resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I have an auto loan with Exeter Finance. My payment is up to date, however, there is a woman who calls multiple times a day for myself and my cosigner. She will not tell us her name, only that she is with Exeter. I called today and asked to speak with a supervisor but was denied, and the rep XXXX said he would notate the issues in my account. He also noted that he saw a full payment made on XX/XX/year>, and my next payment was not due until today XXXX. So it is not yet late, and I received numerous calls about this payment. My co signer has also received numerous calls. The lady even mentioned that there is a daily late fee of {$10.00} and some change which is not the case and is not listed in my paperwork for the loan. I requested that we have this lady ( since XXXX could see who has called but also would not give me her name ) blocked from calling our account again, and I was told that any of their reps can call me at any time and there is no limit on how many times they can call. This is bordering on harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX, account # XXXX * Auto loan with XXXX, account # XXXX * XXXX XXXX, account # XXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer FICO credit report.

Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer FICO credit report maintained by TransUnion showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : 1. FCRA 605B : Requires credit reporting agencies to block fraudulent information within four business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud. 
2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes. 
3. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.

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