vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: AL

Complaint narrative:
I started working on my credit several months ago and while doing so a debt for {$13000.00} appeared on my credit report. After researching the debt, it appears a debt for a loan. However, I believe this was a fraudulent loan taken out in my name while I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. At this moment I had no access to my account or a way to take out a loan but before leaving for my XXXX I gave my relative my personal information so that he could help me fix my credit like his while I was XXXX so I could purchase my family a home once my XXXX ended. It never raised my attention that something fraudulently could have been done with my information until over a year ago I was applying to use " after pay '' and XXXX of the questions it asked was did I own a XXXX. Which I did not and never did. However, that relative I gave my information to did around the time I came home from my XXXX. He also would have had access to my banking information and accounts due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, i never seen {$13000.00} in my account and have no knowledge of it. 

I submitted a fraud claim recently through another process and never heard anything on it. I ask that this is taken off my credit report because I am currently trying to purchase a home for my family and I and I can't utilize the VA Loan with anything in collections. 

Attached is my XXXX from my XXXX showing that I was XXXX for that period of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Spring Oaks Capital XXXX XXXX XXXX XXXX XXXX, VA XXXX Refernce number : XXXX To Whom It May Concern, I hope this email finds you well. I am writing to formally request the original purchase agreement that substantiates your claim as the rightful owner of the alleged debt in question. It is imperative that I have access to this document in order to verify the legitimacy of the debt and better understand the terms and conditions that were agreed upon. 

To facilitate this process, I kindly ask that you provide me with a copy of the purchase agreement that clearly indicates your ownership of the debt. Additionally, I would appreciate it if you could include any relevant terms and conditions that are outlined in this agreement. Having a thorough understanding of these details will enable me to address this matter effectively and ensure that all parties involved are operating within the parameters set forth in the original agreement. 

Please consider this request with utmost importance, as obtaining this information is crucial to resolving any discrepancies and moving forward with the necessary actions. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your cooperation and assistance in this regard. Should you have any questions or require further clarification, please do not hesitate to reach out to me at your earliest convenience. 

I look forward to your prompt response regarding this matter. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX and XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 states that I have the right to privacy.

Additionally, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish information about my account without my written instructions. Which I have not given Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose

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 2024-10-19 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:
I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
XXXX of XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Fin XX/XX/XXXX Southern Automotive FI XX/XX/XXXX Capital XXXX Auto Fin XX/XX/XXXX Global Lending Service XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit/Bomnin XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit ACCE XX/XX/XXXX XXXX XXXX Auto XX/XX/XXXX Truist Dealer Service XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Na. Best B XX/XX/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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for reporting a late payment on my credit report without providing proper documentation to substantiate the alleged delinquency. Despite my written request for proof, the company has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Below is a summary of my issue : Request for Proof of Late Payment : I requested that the student loan company provide specific documentation showing : The due date of the payment in question.

The actual payment date or proof that no payment was made.

Any notices or warnings they claim to have issued regarding the alleged late payment.

Proof that I receive the biling statement by providing mail tracking documents Inadequate Response : Instead of providing the requested documentation, the company sent a response containing only general loan documents and references to the original loan terms. This response did not address my specific request for proof of the late payment or the timing of any missed payment, nor did it include any billing records or payment history.

Violation of FCRA Requirements : Under the FCRA, furnishers of credit information are required to verify and provide accurate records when a consumer disputes the accuracy of information reported to credit bureaus. In this case, the company has failed to meet these requirements. Since they have not provided proof of my delinquency, they are obligated to remove the inaccurate late payment from 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 non-monetary relief
Consumer complaint received 2024-10-19 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: IL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for reporting a late payment on my credit report without providing proper documentation to substantiate the alleged delinquency. Despite my written request for proof, the company has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Below is a summary of my issue : Request for XXXX of XXXX XXXX : I requested that the student loan company provide specific documentation showing : The due date of the payment in question. 
The actual payment date or proof that no payment was made. 
Any notices or warnings they claim to have issued regarding the alleged late payment. 
Proof that I receive the biling statement by providing mail tracking documents Inadequate Response : Instead of providing the requested documentation, the company sent a response containing only general loan documents and references to the original loan terms. This response did not address my specific request for proof of the late payment or the timing of any missed payment, nor did it include any billing records or payment history. 

Violation of FCRA Requirements : Under the FCRA, furnishers of credit information are required to verify and provide accurate records when a consumer disputes the accuracy of information reported to credit bureaus. In this case, the company has failed to meet these requirements. Since they have not provided proof of my delinquency, they are obligated to remove the inaccurate late payment from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: IL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for reporting a late payment on my credit report without providing proper documentation to substantiate the alleged delinquency. Despite my written request for proof, the company has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Below is a summary of my issue : Request for Proof of Late Payment : I requested that the student loan company provide specific documentation showing : The due date of the payment in question.

The actual payment date or proof that no payment was made.

Any notices or warnings they claim to have issued regarding the alleged late payment.

Proof that I receive the biling statement by providing mail tracking documents Inadequate Response : Instead of providing the requested documentation, the company sent a response containing only general loan documents and references to the original loan terms. This response did not address my specific request for proof of the late payment or the timing of any missed payment, nor did it include any billing records or payment history.

Violation of FCRA Requirements : Under the FCRA, furnishers of credit information are required to verify and provide accurate records when a consumer disputes the accuracy of information reported to credit bureaus. In this case, the company has failed to meet these requirements. Since they have not provided proof of my delinquency, they are obligated to remove the inaccurate late payment from 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 2024-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I submitted the attached Income Driven Repayment Plan Application. I was going to select the Savings on a Valuable Education ( SAVE ) Plan, but Aidvantage sent me an outdated application that expired on or about XX/XX/XXXX, as can be seen on the top right hand corner of page one ( 1 ) of the attached application, and did not have an option to select the SAVE plan. 

As can be seen on page one ( 1 ), section two ( 2 ), of the attached application, I selected the check box to be placed on the plan that would have resulted in the lowest monthly payment since there was no option to select the SAVE plan on the outdated, expired application that Aidvantage sent to me. 

On information and belief, I have reason to believe that this is a pattern of illegal business practices in violation of Business and Professions Code Section 17200 that Aidvantage is engaged in to prevent borrowers from being able to enroll in the SAVE plan prior to the federal court overturning the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Portfolio Recovery Associates Llc Account # : XXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX To Whom It XXXX Concern, I hope this email finds you well. I am writing to formally request the original purchase agreement that substantiates your claim as the rightful owner of the alleged debt in question. It is imperative that I have access to this document in order to verify the legitimacy of the debt and better understand the terms and conditions that were agreed upon. 

To facilitate this process, I kindly ask that you provide me with a copy of the purchase agreement that clearly indicates your ownership of the debt. Additionally, I would appreciate it if you could include any relevant terms and conditions that are outlined in this agreement, that states I owe you PRA and we have signed agreement that states I must pay you please include. Having a thorough understanding of these details will enable me to address this matter effectively and ensure that all parties involved are operating within the parameters set forth in the original agreement. If you can not provide please Im requesting Immediate deletion of the unvalidated debt from all credit reporting agencies. Should this issue not be resolved promptly and to my satisfaction, I will request that the CFPB investigate this matter and take appropriate action to ensure that the collection agency ceases their illegal collection efforts and stop reporting inaccurate information to the credit bureaus and request for it to be removed immediately.I expect PRA-to act in good faith by deleting and removing the inaccurate information and providing the requested documents Thank you for your attention to this matter.

Please consider this request with utmost importance, as obtaining this information is crucial to resolving any discrepancies and moving forward with the necessary actions. Your prompt attention to this matter would be greatly appreciated.

Thank you for your cooperation and assistance in this regard. Should you have any questions or require further clarification, please do not hesitate to reach out to me at your earliest convenience. 

I look forward to your prompt response regarding this matter. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 states that I have the right to privacy.

Additionally, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish information about my account without my written instructions. Which I have not given Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose

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 2024-10-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 states that I have the right to privacy.

Additionally, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish information about my account without my written instructions. Which I have not given Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit 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 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Majority USA, LLC
State: CA

Complaint narrative:
Company : MAJORITY Mobile Banking My account was wrongfully closed after a dispute with a security passcode. I was required to send my ID and I did. The company took extensive periods of time to deal with my case. They then closed my account without reason with around {$4300.00} in the account and is refusing to refund me. Which isn't legal as all banks must legally return funds to the depositer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding repeated phone calls from a debt collector during my XXXX to the XXXX theater. These calls have occurred multiple times during the night and early morning hours, significantly disrupting my sleep schedule. 

Dates of the calls : The calls typically occurred from XX/XX/XXXX to XX/XX/XXXX, often between XXXX XXXX  and XXXX XXXX  local time. 
Impact on my sleep : Due to the time zone difference, these calls were particularly disruptive to my rest. I was repeatedly awoken, leading to a lack of adequate sleep necessary for my duties. 
Consequences : As a result of these disturbances, I have been late for work on several occasions. This not only affects my performance but also impacts my overall mental and physical health during a critical time in my XXXX. 
I have attempted to inform the debt collector that I am currently serving overseas and requested that they cease calling during these hours. However, my requests have not been respected, and the calls continued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
After looking at the my credit report, I noticed a company by the name of Credence Resource mangement stating that i owe them in the amount of {$230.00} I know this is not accurate because I have never had a account with this company. The listed date for the account is XX/XX/year> Please remove this from my XXXX and experian credit report.

Company response to consumer: Closed with non-monetary relief