vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There was a VA streamline program that would allow me to skip XXXX months payments ( refinance ) but when I asked about it, I was told that it didnt make sense to do it because the interest rates hadnt dropped. Soon afterwards, the rates did drop but since I was already a month behind, I didnt qualify for the streamline program. What put me a month behind was that the department of defense began garnishing my wages for $ XXXX a month until an erroneous debt was reclaimed that totaled less than $ XXXX. Just before they began taking the money, I received a letter stating that I didnt owe it. When I took that letter to finance, they told me that theyd have to finish taking out all the money before I could apply for it to be refunded. After 6 months, I did apply for the refund and it was all refunded 3 months later. I explained this to Wells Fargo Bank and attempted to work something out but by that time, their offer was too much to pay. I kept them informed of the situation leading up to the reimbursement. Ive had traumatic nightmares about this for years. As a result of the court case, I was supposed to receive the check that never came.

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 2024-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I believe that the terms and conditions of the loan were not properly disclosed to me, as required by the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Specifically, I have identified several violations and omissions that invalidate the loan agreement under this federal law : Lack of Full Disclosure of Installment Loan Agreement I did not receive a complete copy of the installment loan agreement at the time of signing. TILA requires that creditors provide borrowers with clear and detailed information regarding the loan terms, including the amount financed, the payment schedule, and the total cost of the loan. I did not receive adequate documentation of these key terms, which constitutes a violation of TILA 's disclosure requirements.

Failure to Provide Notice of Security Interest There was no clear disclosure or explanation that a security interest would be placed on the vehicle as part of the loan agreement. Under TILA, creditors are required to inform borrowers if a security interest is being taken on collateral, in this case, my vehicle, in exchange for the loan. Without this disclosure, the creditor has failed to comply with the legal requirement to fully inform me of my rights and obligations under the loan. 

Undisclosed Lien on Vehicle I was not informed of any lien placed on my vehicle at the time the loan was extended. The Truth in Lending Act mandates that creditors disclose any liens or encumbrances that will be attached to the collateral in the transaction. The failure to disclose the lien renders the agreement incomplete and noncompliant with TILA regulations.

Lack of Disclosure of Finance Charges The finance charge for this loan was not properly disclosed at the time of the agreement. Under TILA, the finance charge, including the total cost of interest and any other fees associated with the loan, must be clearly communicated to the borrower before the loan agreement is signed. The omission of this essential information violates my rights as a consumer under federal 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 explanation
Consumer complaint received 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have written dispute letters three different times, to each credit bureau, and each time they reply with a new credit report stating that the account with USAA has been Verified as accurate and updated.

Re : Formal Dispute Under FCRA 15 U.S.C. 1681 Section 602, Section 604, and 15 U.S.C. 1666b This dispute is made under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically Sections 602 and 604, as well as 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ).

Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law.

2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report.

3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act.

4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score.

Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each indvidual whom you verified and validated the above information with, so that I may follow up accordingly. 

Additionally, please send me an updated copy of my credit report after completing your investigation. 

Account Name : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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 shalli ) 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 ( i ) 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: NE

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 shalli ) 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 ( i ) 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 : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Lvnv or whatever that group is called I never signed an agreement or got a loan from them personally they can not prove that I did because I did not they're trying to get money for something we did not legally sign into contract together and they bought this from a different company or something therefore I want it deleted from my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block all accounts listed below appearing on my consumer credit report the result of identity theft and fraud. The fraudulent, inaccurate, and false information are listed as such : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have been associated with several fraudulent hard inquires, collections, false information placed on my consumer credit report. I do not recognize the information being reported and all accounts mentioned about were not initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit report accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: SC

Complaint narrative:
I recently looked at my Experian credit report and noticed some things are incomplete and not accurate. Account name XXXX XXXX XXXX XXXX has reported that I was late XXXX and XXXX of XXXX  which is inaccurate because I indeed paid those months. As according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And accord

ing to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are
suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/year> an unauthorized amount of {$3500.00} was taken from my checking account from auto lender XXXX XXXX. I was also charged a {$25.00} fee to hold the lender from charging any other unauthorized amounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX Experian Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : Highest reported balance XXXX XXXX XXXXCurrent balance owed : XXXX XXXXPayment status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to Experian, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information. 

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus.

I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A States i have the right to privacy. 15 U.S.C 1681 section Southwest credit sys XXXX XXXX XXXX has violated my rights604 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am writing to formally file a complaint against National Credit Systems ( NCS ) regarding an alleged debt that has been reported on my credit file. I am disputing this debt and requesting that NCS provide proper documentation and legal proof of assignment as required under federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 1692g.

Request for Validation and Assignment Documents : In accordance with 15 U.S. Code 1692g, I am requesting that National Credit Systems provide the following : 1. A copy of the assignment agreement between the original creditor and NCS that grants them the authority to collect this debt.

2. Proof that NCS has a legitimate right to collect this alleged debt.

3. A complete account history that includes a breakdown of the amount owed, including how the balance was calculated.

Additionally, under 15 U.S. Code 1642 ( a ), any attempt to collect a debt without proper documentation is a violation of the FDCPA. NCS has yet to provide this proof, despite my previous attempts to resolve this matter. 

Grounds for Removal : Since NCS has not yet provided the required documents proving legal ownership or assignment of this alleged debt, I am requesting that this collection be removed from my credit report under the following case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In this case, the court found that debt collectors must provide documentation that proves they have the right to collect a debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case established that failure to verify a disputed debt with sufficient documentation results in a violation of the FDCPA. 

If National Credit Systems can not provide the necessary documents, I believe they are in violation of federal law, and I am requesting that they immediately cease collection efforts and remove the negative reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
The repossession by EXETER FINANCE LLC. inaccurately reported on my credit file following a significant data breach, where over 4 billion Social Security numbers and personal information were exposed to hackers. Due to this breach, the integrity of my personal data has been compromised, creating a strong possibility of inaccuracies in the information reported. Under 15 USC 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy, yet the breach casts doubt on the validity of the repossession. 

I have taken several actions : Filed a formal dispute with the credit bureau. 
Notified the creditor associated with the repossession. 
Submitted an identity theft report to the FTC. 
Despite these actions, the repossession remains on my credit report, causing significant damage to my credit score. The continued presence of this inaccurate information, particularly after a data breach, violates my rights under 15 USC 1681c-2 ( a ), which mandates the removal of information in cases of identity theft or compromised data.

Company response to consumer: Closed with explanation