vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my 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 2024-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: MA

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report.I recieved a 1099-C ( cancellation of Debt ) for the following charged off accounts listed below.After checking my most current report the updated information stated this account was still being reported.This account can not be reported as charge off on my credit report.Please cease reporting and delete this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14 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:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report.I recieved a 1099-C ( cancellation of Debt ) for the following charged off accounts listed below.After checking my most current report the updated information stated this account was still being reported.This account can not be reported as charge off on my credit report.Please cease reporting and delete this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with MAZDA FIN SV and my goal is to maintain the relationship weve built over the past 7 months. I recently pulled my XXXX, XXXX, and XXXX credit report and discovered I have a late payment that was reported in XXXX and XX/XX/2023 for my MAZDA FIN SV Credit Card. During that time period, I had a medical emergency due to XXXX. I mailed MAZDA FIN SV several letters informing them of my financial hardship at the start of the XXXX XXXX  Unfortunately, the XXXX XXXX has brought unforeseen circumstances into my life. As a direct consequence of the XXXX  I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my MAZDA FIN SV account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments.

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the XXXXXXXX XXXX  and to provide relief to individuals affected by the Coronavirus pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to XXXX hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act.

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account XXXX : XXXX Late Payment Date : XXXX and XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX Filed a Report And Took Me To court Because I was unable to make payments, also paying the back time along with work orders. My concerns where no XXXX contacted me to help with resources to be able to pay my rent .its also on my record that I have been unemployed, since I have renew the lease from the move in date that I was a XXXX individual unemployed. I have been seeking help to get my XXXX that I was born with to be able to get the help I need to have income to be able to pay the Bill 's I am currently homeless. I have been evicted My last day in housing was XX/XX/year> and the housing gave me 10days to move witch I feel was not enough time to get the help I need to pay the back time off. I really need help and I have no help my mother is helping me with my XXXX kids I live with my mom and she does not have enough space in her home to house me an my kids for to much longer I have looked for resources in my area an I yet to find the help I need

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
They continue to practice securities fraud as they have not returned any of my monthly dividends to me and they are also committing tax invasion by not paying the taxes on the profit/income they are receiving. The trustees, indenture trustees, CFO, CEO, parent company, and its affiliates are committing organized crimes ( XXXX ) by knowingly committing the previously mentioned offenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: AES/PHEAA
State: CA

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX in XXXX XXXX concerning fraudulent and deceptive practices that significantly influenced my decision to enroll and finance my education through private loans. 

During my enrollment process, I was explicitly assured by representatives of XXXX XXXX XXXX that XXXX typically secure employment with salaries in the six-figure range. This representation was a crucial factor in my decision to undertake significant financial obligations under the belief of obtaining a high-paying job post-graduation. Unfortunately, this turned out to be patently untrue and grossly misrepresented the actual employment outcomes of the program. 

It is also pertinent to note that, as a result of legal actions taken against the school for similar fraudulent activities, federal student loans have been dismissed for many students. However, this relief has not been extended to private loans like mine. This discrepancy has left me, and others who were similarly misled, burdened with significant debt under false pretenses. 

Given the school 's history of deceptive practices, which have been acknowledged and rectified in the case of federal loans through court decisions, I am urging the CFPB to consider the implications for students with private loans. I am more than willing to provide any documentation upon request to support my claims and assist in this investigation. 

I appreciate your immediate attention to this pressing matter and look forward to your assistance in achieving a fair resolution that considers the deceitful circumstances under which these loans were procured. 

Thank you for your prompt response to this urgent issue. 

Article regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/year>, I received an " Important - Action Required '' letter from Bank of America ( BoA ) requesting additional information for my dispute of a {$78.00} charge from XXXX XXXX on XX/XX/year> ( claim number XXXX ). The merchandise received ( a box of gloves and a box of masks ) was defective, damaged during shipping. 

On XX/XX/year>, I submitted the requested information and clarification via BoA 's online secure message center, detailing the damage to the merchandise. On XX/XX/year>, BoA issued a temporary credit and assured me they were investigating the dispute. Despite providing the requested information and additional clarification, BoA denied my claim on XX/XX/year>, stating : " Although we understand youre unsatisfied with what was provided, the merchant XXXX charge you for any service or merchandise that you received. '' BoA failed to investigate my claim under XXXX dispute reason code 13.3 ( Merchandise/Service Not as Described or Defective ) or 13.5 ( Misrepresentation ). The claim clearly illustrates that the merchandise was damaged, constituting a defective product.

Under the Fair Credit Billing Act ( FCBA ) and Consumer Credit Protection Act, I have the right to dispute billing errors, which include receiving damaged or defective merchandise. BoA 's handling of my dispute appears to violate these protections by not conducting a thorough investigation and incorrectly categorizing my claim as dissatisfaction rather than addressing the defect.

BoA has a pattern of denying legitimate claims only to later acknowledge their oversight. This points to a systemic issue of reducing manhours spent on legitimate customer issues rather than ensuring fair investigations. Despite my efforts and clear evidence, BoA 's final response did not reflect a thorough investigation.

Additionally, BoA provided false assurance that my claim was being looked into. Their letter dated XX/XX/year>, indicated they were working to resolve the dispute directly with the merchant, which proved misleading as their final decision did not reflect a genuine 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 monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
To whom it may concern, I am inquiring about my account with the name of Avant. The account number is unknown.

Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX ( 9years ago ) and paid in a settlement in or around XXXX ( 6years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-14 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: NC

Complaint narrative:
Account information is wrong/ Non-compliant. My next steps will be to pursue 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 explanation
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
I requested that Equifax remove the delinquency report from my credit report because my account is current and is not to show 30,60, or 90 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I drove down to this dealership to test drive a car, following an appointment set with XXXX. After saying I was interested in it, XXXX and I went into the financing office and started paperwork on the car. I stated I would be paying {$5000.00} down in check, and would be signing the electric vehicle tax credit over to the dealership to add an additional {$4000.00} to the down payment for a total of {$9000.00}. The agreed sale price on the Buyer 's Order is {$13000.00}, minus {$9000.00} as a down payment, leaving a balance due of {$6100.00}, once taxes and dealer fees were accounted for. I filled out and was approved for a loan with Huntington bank for {$6300.00}. XXXXXXXX XXXX manager ( do not recall his name ) had to come in to process the form XXXX for the IRS tax credit and reviewed that for the same {$13000.00} price to submit to the IRS. After finishing all the paper work, I accepted delivery of the car and drove it back home. On the XXXX, XXXX called and said the price of the car was actually {$17000.00} and that I needed to sign new paperwork/loan application to accept this new price, which also has a higher interest rate. Having read about Yo-Yo scams , I asked for more clarification on the situation but only got a response from XXXX of the price being wrong and wanting me to sign the new paperwork, without any of my questions answered. I had previously checked and confirmed the loan balance, but called in again today to ask for a copy of the bank 's paperwork to find that the loan had been cancelled without my approval, but the Huntington bank representative could see any indication of a reason. Huntington bank provided me with a copy of the approved loan paperwork that the dealership submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
This debt is not mine. I have never lived in XXXX  or opened up any accounts for utilities. Someone has used my name to open up the account and didn't pay.

Company response to consumer: Closed with explanation