vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
XXXX, the Consumer Reporting Agency, has taken over the federally mandated 30 days to investigate inaccurate information. I have sent notice and demand to remove this inaccurate account, including all relevant documentation. Delete XXXX XXXX XXXX XXXX from the consumer credit file immediately. There are multiple violations related to this account, including breach of contract, unfair collection practice, extortion, aggravated identity theft, dishonor in commerce, defamation of character, deprivation of rights, restraint of trade. 

I have offered to repay the money, in the same specie as accepted to create the debt, if a man or woman representing XXXX XXXX XXXX XXXX signs an affidavit under penalty of perjury certifying that XXXX XXXX XXXX XXXX lent their money to purchase the loan agreement from me, the borrower, or if the original unaltered agreement/contract/promissory note is returned to me when I pay. 

XXXX XXXX XXXX, Principal XXXX, XXXX XXXX XXXX XXXX XXXX, New XXXX Delaware, XXXX XXXX XXXX mailing address XXXX, Date of Birth All other related documentation has been received by XXXX, the consumer reporting agency, allowing the company and/or its representatives to correctly identify the consumer. This notice is relative to all XXXX XXXX XXXX XXXX accounts listed on the credit file. 

I simply want full disclosure of the details of the original agreement ( No Copies permitted ) and book entries and assurance, for the protection and benefit of the principal, that the note XXXX XXXX XXXX XXXX received was NOT stolen, swindled, nor counterfeited, prohibiting the principal from fair trade, and violating/breaching the terms of the contract. If the intent is that the one who funded the loan should be repaid, details should include proof that this was not just a conversion of funds/money, nor an exchange, but an actual loan of a sum of XXXX XXXX XXXX XXXX XXXX XXXX What i believe happened was XXXX XXXX XXXX XXXX received my note, acted as a money exchanger, and charged me 100 % + for servicing the account. In this case XXXX XXXX XXXX XXXX would not have funded the loan, but rather converted XXXX specie or money into another, ultimately hiding details of the alleged loan, lacking full disclosure. Then, instead of offsetting the payable account with the receivable deposit, XXXX XXXX XXXX XXXX, continues to request payment for the principal to balance the principal payable account. Response from XXXX XXXX XXXX XXXX should include the principal receivable book entry for the security/notes/credit ( s ) deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I received a tax bill that went unpaid. I was instructed to send it to this email address : XXXX which I did twice and received an automated response saying received. The tax bill has yet to be paid. I have tried many times to call and contact the company which I reach an automated phone system that will never allow you to connect to a human representative. This company will not allow a customer to engage with them to resolve an issue. They are not paying my property tax bills and they are ignoring my requests for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: DE

Complaint narrative:
I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXX XXXXXXXX XXXX Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX Act, 12 U.S.C. 5531.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: OK

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-20 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: PA

Complaint narrative:
this was not sent in error i am a consumer by law and my information was misused. Now I have some false not 100 % accurate accounts on my credit report and also not XXXX XXXX compliant

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
MOHELA incorrectly withdrew from my auto-debit account, and offered to initiate a refund. I requested the refund, but there has been no refund after 2 months. MOHELA has provided no communication about my refund request. 

Below is a timeline of events : XX/XX/XXXX : MOHELA inappropriately used the auto-debit to withdraw {$720.00} from my bank account. MOHELA had not sent the XXXX billing statement 21 days in advance. 
XX/XX/XXXX : MOHELA sent an email notifying me that I could contact MOHELA within 90 calendar days of the date of the notice to request a refund. 
XX/XX/XXXX ( approx ) : A secure message via MOHELA message portal was sent to MOHELA to request the refund. 
XX/XX/XXXX : MOHELA sends secure message response affirming receipt of refund request, and asked consumer call MOHELA. 
XX/XX/XXXX ( approx ) : Consumer called MOHELA and spoke with MOHELA representative, and verbally requested refund of the XX/XX/XXXX payment. The MOHELA representative stated she would enter the request. 
XX/XX/XXXX : No refund has been received. MOHELA balance has not changed. No communication from MOHELA since XX/XX/XXXX. 

Full text of MOHELA email : As your XXXX  loan servicer, we are contacting you to notify you about important information regarding your student loan account. 

Our records indicate that your XXXX billing statement was sent beyond the normal 21 days prior to the due date. 

Your automatic payment via auto debit successfully withdrew from your designated account in XX/XX/XXXX. 
If you feel as through the amount you owed for the month of XXXX was incorrect or that no payment was due on your account, you XXXX contact us within 90 calendar days of the date of this notice to request a refund and forbearance will be applied for that month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: DC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : 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 2024-11-20 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute the inclusion of the above-referenced account on my credit report. This account, reflecting a balance of {$12000.00}, is not mine and appears to be the result of identity theft. 

Description of What Happened : I discovered this account was appearing on my credit report. Upon further investigation, I determined that it was fraudulently created using my personal information. To address the fraudulent activity, I took the following steps : Reported the identity theft to the Social Security Administration ( SSA ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report and confirmed that I had no connection to this account. 
Contacted the credit bureaus and disputed this item as fraudulent. 
The company involved, Resurgent Capital Services / LVNV Funding LLC, has not provided any evidence to show this account is valid or legitimately associated with me. 

Amount in Question : The account in dispute shows a balance of {$12000.00}. 

Actions Taken by Me : Reported identity theft to the SSA and obtained a new SSN.

Sent a dispute to the credit bureaus regarding this account. 
Requested that this account be removed from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute and request removal of fraudulent information from my credit report. I am requesting the following actions from Resurgent Capital Services/ LVNV Funding LLC : Immediately remove this account from my credit report. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation of the removal and a corrected credit report. 
This fraudulent account has negatively impacted my credit, and I expect prompt resolution to ensure my records accurately reflect my financial history. 

Thank you for addressing this matter promptly. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I found unauthorized inquiries on my credit report today, and Im baffled as to why theyre there. When I checked my report, everything seemed normal at first, but these discrepancies suddenly appeared. Thinking it was a browser glitch, I refreshed the page, but the problem persisted. I urgently need this issue addressed, and I ask that the documents Ive submitted be examined thoroughly so I can stop feeling this constant worry.

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 2024-11-20 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: GA

Complaint narrative:
Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/year>, XXXX XXXXXXXX XXXXperformed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA XXXX 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX XXXX would justify this inquiry. This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX XXXX prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely 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 2024-11-20 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: GA

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One scammed me. Told me I could do a balance transfer at 0 % apr and now im being charge XXXX for no reason. They lied to me and now wont fix it. Also you customer service over the phone is rude and not helpful. over 3 hours on the phone and the agent didnt even understand how to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NJ

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

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 2024-11-20 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: NC

Complaint narrative:
I received a letter from XXXX XXXX  stating that the credit reporting agencies must delete the Late payment dated XX/XX/year> and 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code XXXX ( 2 ) and 15 U.S. CodXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code XXXX ( 2 ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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