vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I have a HELOC with VyStar Credit Union based in XXXXXXXX XXXX. I have had this HELOC for several years. In XXXX of last year, VyStar changed their servicing platform to XXXX. 

Since that time, they have been applying my payments incorrectly. We pay an interest only payment plus principal every month. Since the change, they have been incorrectly applying the principal amount of our payment to future months interest payments. 

This has resulted in a number of things. First of all, they are applying principal to interest that has not yet accrued. Because they are doing this, this has resulted in our average daily balance being higher than it should be which has resulted in additional interest being accrued. 

I have tried to resolve this issue directly with them in multiple ways. I called them on XX/XX/XXXX and was told that someone would follow up with me by the XXXX. No one ever did. I followed up again via phone on XX/XX/XXXX. They acknowledged that they had an issue and was told my account would be resolved by XX/XX/XXXX. They also advised that, since their system could no longer process payments correctly, I could only make payments via phone. I checked on again yesterday, XX/XX/XXXX, and my account was still not resolved. I followed up again and was told that it would be resolved by the end of the day. When I checked again this morning, it was still not fixed. 

In multiple conversations with different people, VyStar has acknowledged that they are aware that this is affecting all of their HELOC customers. However, they do not seem to believe that it is an urgent matter and appear in no hurry to correct the situation.

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 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 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 a 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 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 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
Hello, I bought my vehicle in XXXXXXXX XXXX XXXXXXXX for {$39000.00} through United auto credit. Payment were {$1000.00} a month. Its now XXXXXXXX XXXX XXXXXXXX and my payoff is {$34000.00}. I can't even trade the vehicle because I'm so upside down. Is there anything you can do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting to all three credit bureaus incorrect information the Date that it was opened is XXXX XXXX XXXX  and its also stating that it was charged off. The company address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have disputed this account over 5 times and they insist that this account is mines and disregarded my complaint about me being a victim of identity theft. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ).

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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
once again NF, it is clear that CFPB process does not work as I have seen XXXX results on top of taken fees for credit reports and not giving a home loan I was forced to live in a car and hotels as this bank still have refused to put the home in foreberance they recently stole over XXXX from my account as a result, I am not able to pay for the car loan which is also my home. 

once my health is better I will clearly have to seek legal counsel as this bank does not adhered to any laws, rules and regulations. 
still a protected class member still battling major health issues refer to the attached, as this is widespread and involves numerous credit cards as none of the business have easy XXXX options for someone who is XXXX, struggling with life threatening health issues and who also fall under protected class. Each of the business expects a person with bad health to spend countless hours with each of them and I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and yet when I am able to call I am verbally attacked. I no longer have a phone so as I stated many times before email is the only option and since I either have to live in my car since I was denied many loans or if my credit card does work is when I have access to wifi. it would be great if some company allowed me to live and focus on my health. you can stop sending mail as XXXX XXXX XXXX XXXX XXXXnd going to a mailbox isn't top priority my life is. thanks similar letter was mailed to social security, XXXX XXXX, and 3 credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
It started in XXXXXXXX XXXX XXXX  I noticed a lot of hard inquiries that I don't recognize. I called Equifax, and Transunion and informed them about the Fraudulent activity on my account from the inquiries. I Dispute the following hard inquiries on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C 1681i ), Unverified Inquiry 's Must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
The creditor for these accounts has reported payment history of Charge off for the last several months this is invalid as they are only allowed to report the charge off one time since they only charged off the account once. In addition, the balance reported is also inaccurate the amount of debt was written off by the creditor as a profit loss and per the IRS website that debt is considered forgiven/cancelled as it becomes taxable income for the consumer. The balance can no longer be reported on the report as a debt owed since a write off loss from the creditor can not coexist with debt owed to the creditor. Under law 15 USC 1681 ( e ) B of the FCRA all reported information must be accurate. 

For accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX} State Employees Credit Union ( Auto ) - {$17000.00} State Employees Credit Union ( personal ) - {$2000.00} Aspire- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
The creditor for these accounts has reported payment history of Charge off for the last several months this is invalid as they are only allowed to report the charge off one time since they only charged off the account once. In addition, the balance reported is also inaccurate the amount of debt was written off by the creditor as a profit loss and per the IRS website that debt is considered forgiven/cancelled as it becomes taxable income for the consumer. The balance can no longer be reported on the report as a debt owed since a write off loss from the creditor can not coexist with debt owed to the creditor. Under law 15 USC 1681 ( e ) B of the FCRA all reported information must be accurate. 

For accounts 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 Aspire- XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Started monitoring my credit report and discovered this company that I am not formular with at all. I believe this is a part of fraud. Can you please validate this this debt? I need to see a written contract with my signature and a agreement between myself and this collection agency. I would also need to see all transactions made to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
Equifax lied in their report and said they verified my XXXX XXXX account but XXXX XXXX sent me a letter saying they need until XXXX to validate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 These accounts has violated my rights. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my XXXX credit report on XX/XX/year> and noticed some things are incomo ete and not accurate. And accordine to the tair credit redortind 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 according to 15 Use 168115 they are suppose to do this ( 5 ) reatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I XXXX XXXX am formally disputing any and all debts that AMSHER COLLECTION SERVICE say I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U S C 1692g, I am exercising my right to request full validation of thiss alleged debt. Untill proper validation is provided, I do nott acknowledge or assume any responsibility for this debt..

Pursuant to my rights under 15 U S C 1692g, I am requestingg the following : 1. Complete validation of the alleged debt, including a detailedd breakdown of the amount owedd, the name of the original credittor, and any relevant account details. 
2. The original purchase agreement between AMSHER COLLECTION SERVICE the original creditor, proving legal authority to collect this debt. 
3. Proof that AMSHER COLLECTION SERVICE is licensed and bonded to collect debts in my state Pennsylvania. I expect copiess of the current licensee and bonding information.

AMSHER COLLECTION SERVICE has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34 ( b ) ( 5 ) Collection agencies must provide validation information before reporting a debt to a consumer reporting agency. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Becausee of thesee violationss, AMSHER COLLECTION SERVICE has no legal authority to collectt or report this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 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

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
XXXX XXXX ( for card ) open a fraudulent account in my name with out my permission this account is not mine, I did not open this account, my information was used to open this account, Equifax just recently had a massive data breach and my information was leaked, someone open this account, please delete this account immediately and block it, I will be providing a identity theft report and information, This card is called the XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX delete and block XXXX XXXX XXXX XXXX XXXX, this account is fraudulent I did not open this account it was open in my name my identity was stolen and used Im sending information for yall to delete this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
XXXX XXXX ( for card ) open a fraudulent account in my name with out my permission this account is not mine, I did not open this account, my information was used to open this account, XXXX just recently had a massive data breach and my information was leaked, someone open this account, please delete this account immediately and block it, I will be providing a identity theft report and information, This card is called the fit card by XXXX XXXX for XXXX Transunion delete and block XXXX XXXX XXXX XXXX XXXX, this account is fraudulent I did not open this account it was open in my name my identity was stolen and used Im sending information for yall to 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 2025-02-08 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: GA

Complaint narrative:
XXXX XXXX ( for card ) open a fraudulent account in my name with out my permission this account is not mine, I did not open this account, my information was used to open this account, XXXX just recently had a massive data breach and my information was leaked, someone open this account, please delete this account immediately and block it, I will be providing a identity theft report and information, This card is called the XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX delete and block XXXX XXXX XXXX XXXX XXXX, this account is fraudulent I did not open this account it was open in my name my identity was stolen and used Im sending information for yall to 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-02-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
There was a major breach in my personal information. I did not authorize any parties or third-party of any of these consents. I understand that was a breach in all information, as well as mine. I would like to have all of these debts terminated. Without my authorization my information should not have been given as well as the breach with all my information stolen.

Company response to consumer: Closed with explanation