vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: KS

Complaint narrative:
Failing to provide documents listed below : I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect above-listed alleged debt. Cease & Desist all collection activities including reporting to consumer reporting agencies ( CRAS ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAS. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without ant break of chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Where does it state that late payments should be legally reported on consumers Credit report in the Consumer laws.

Do you have proof in the law that late payments are legal and lawful on consumers credit report If its an open ended credit, Finance Charge is the sum of all charges Was the orinal contract fair, Clear, Conspiciouse, Proveded full disclosures of the Finance Charge, Holder in Due Course 6000 rule.

Wet Signiture Notarized Legal in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Where does it state that late payments should be legally reported on consumers Credit report in the Consumer laws. 
Do you have proof in the law that late payments are legal and lawful on consumers credit report If its an open ended credit, Finance Charge is the sum of all charges Was the orinal contract fair, Clear, Conspiciouse, Proveded full disclosures of the Finance Charge, Holder in Due Course XXXX rule. 
Wet Signiture Notarized Legal in the first place

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 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a prepaid debit card from XXXX XXXX XXXX  for being a part of a research project. 
I went online to registered the card, per the instructions I received, which were published by Bank of America, the issuer of the card. 

I tried to use the card a couple of weeks later, and it was refused. I was trying to use the card on XXXX. 

I went on the Bank of America website to confirm that my card was registered to me, and I updated the PIN for the thing. All seemed in order there, so I figured there was a problem with my trying to use the card because it is a debit card ( I don't use debit cards because they are innately insecure, so I don't really know how it works, using them online. 

Then, I tried to use the card again on XXXX, and the card was refused, again. 

Same drill with the Bank of America website, which reported that my card was registered in my name, and associated with me at my home address. 

Then, I tried to use the card via XXXX to pay for a donation I wanted to make a donation to a not for profit. 

The card was refused yet again. 

Same drill with the Bank of America website, but this time I followed up by calling the customer service number on the back of the card. 

This time, I spent XXXX minutes on the phone, getting the problem fixed, with my call being dropped by " XXXX in Tennessee '' because his VPN wasn't working properly. 

Apparently, Bank of America 's site for registering prepaid cards did not associate my card with me, and it was showing up as unregistered on XXXX 's screen. 

I want Bank of America held accountable for this scheme, because we all know that this was intended to make it hard for me to access this money in hopes that Bank of America could keep it for its management to count as profits when the card expires in XXXX years. 

The bank is notorious for pulling these kinds of cons, and the managers of the bank must be held accountable for this illegal behavior. 

Oh, and I also found out when speaking with XXXX that Bank of America will not allow me to use the card when transacting through XXXX, one of its competitors. That seems to fly the face of all kinds of competitiveness laws and regulations. If denying me the ability to utilize XXXX to clear my transactions is legal, I want CFPB to explain why that is, because I want to write my elected representatives to complain about that. 

And for the record, nowhere in the paperwork I received when given this card does it clearly state that I am not allowed to transact over XXXX 's infrastructure.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I reached out to this company XX/XX/2022 and informed them that they are reporting charge off on my consumer report. Its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and the company must file a 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted the credit bureaus to have addresses that arent mine removed XXXX said it would be off in 3 days they never removed the address and its so hard contacting them I just didnt even try to call again after 15 failed calls due to the idiotic robot and for Equifax I always have issues with them its just no reasoning with Equifax Im not asking for anything to be removed but a address Im not even associated with I have accounts on my credit report attached to the 1 address that should be on every bureau XXXX XXXX XXXX XXXX Ohio XXXX is my ONLY address please CFPB make these people fix this they want folks to jump through XXXX hoops just to do stuff thats very simple making empty promises wasting time and hours on the phone. I just want the XXXX XXXX XXXX address removed from both bureaus. I also have another issue with Equifax of course like always they havent even reported my XXXX XXXX XXXX  payment report reports to both XXXX and Equifax and equifax of course like always is being very stubborn for no reason. XXXX has done everything I asked perfectly fine. Its the other 2 Im having issues with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received an adverse action for a property I was trying to get, so I pulled my credit report and saw that I had the following inaccurate information listed : XXXX  account # : XXXX - inaccurate should not be on credit report and XXXX  account # : XXXX - inaccurate late payment should not be on credit report, it should show all payments on-time. 

I am certain that this information is why I did not get the property. I would like to submit a dispute in reference to the following : Experian credit report has the following inaccurate information still listed : Also known as : XXXX XXXX XXXX, XXXX XXXX XXXX ; Addresses : XXXX XXXX XXXX, XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, IN XXXX, ( XXXX XXXX XXXX XXXX XXXX, IN XXXX SHOULD NOT BE LISTED AS IT VIOLATES MY RIGHT TO PRIVACY AS THE CONSUMER ) ; Closed accounts : XXXX  ACCOUNT # : XXXX and Late payment on XXXX  ACCOUNT # : XXXX ; Inquiries : XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian did not conduct a reasonable procedure to ensure my credit report included maximum accuracy. Unfortunately, I do not have confidence in their system and will no longer extend credit due to the adverse affects of this inaccurate information. I have previously provided my information so that they could verify me through multiple factors, however, they choose to ignore the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
In XX/XX/XXXX I paid a double payment ( the 2nd month they took over servicing my loan ) I paid a double payment over the phone at SLS. I had XXXX XXXX one payment and then paid 2 more by phone. SLS refuses to acknowledge this double payment yet, I have proof through my bank statement. This began rolling late fees and other fees. 

I continued to make my payment and now 100 % of payments, which I have paid EVERY SINGLE MONTH since XXXX are applied to ONLY FEES. Now, they are saying I'm 12 months behind and I'm NOT. Then, in XX/XX/XXXX they placed me in forbearance but I continued to make my payments. I have sent my payments via XXXX XXXX for over 2 years EVERY SINGLE MONTH. They are only using my money for late fees that have accumulated since they DID NOT APPLY THE 2 PAYMENTS I MADE IN XXXX. 

I have called these people repeatedly and they can't seem to go back far enough and then they said it was an old system. I have proof of every single payment I've made to this company.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. States I have a right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My complaint is relatively simple. I have a few student loans on my credit that are not valid. First there is a loan on my credit that shows a balance of {$63000.00}. This loan is from XXXX University and is a federal student loan. Recently, on XX/XX/22, a new law agreement settlement came into play under Sweet v. Cardona. The Department of Education identified as having evidence of misleading job prospects, employment opportunities, and even how much students would earn after graduating. Former students of those schools who applied for debt relief are entitled to full loan forgiveness under the settlement, including reimbursement of payments they have already made to their lender. The Case XXXX. This CASE PRECEDANT, exclaims that I am eligible for full student loan forgiveness for the schools i went to, both XXXX University and XXXX XXXX. I have disputed this information numerous times and any denial is a direct violation of law. Stop playing with me, or you will get sued. I am not liable for the {$63000.00} federal student loan XXXX XXXX University ) on my credit from the Dept of XXXX nor am i responsible for the {$3100.00} US Dept of EDUXXXX XXXX XXXX XXXX XXXX ), as expressively stated in the case precedent. The proof can be found here XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX % XXXX % XXXX UNDER THIS SETTLEMENT I AM FULLY ENTITLED TO THE ENTIRE LOAN BEING RELIEFED AND ANY PAYMENTS MADE ON THE LOAN ARE DUE BACK TO ME. THIS IS THE LAW, YOU MUST ABIDE, THERE IS NO LAW OR SETTLEMENT STATING OTHERWISE. I WILL UNDER NO CIRCUMSTANCE TAKE NO FOR AN ANSWER. YOU WILL ABIDE BY THE LAW OR I WILL FORCE YOU TO BY MEANS OF A LAWSUIT. 

I AM NOT RESPONSIBLE FOR ANY STUDENT LOAN DEBT. THE LAW FORGIVES THIS. 

I DO NOT OWE ANY OTHER THE DEPARTMENT OF EDU LOANS ON MY CREDIT, ALL LOANS HAVE BEEN FULLY FORGIVEN AS THE SCHOOLS HAVE BEEN FOUND TO BE FRAUDS. THE MULTI XXXX DOLLAR SETTLEMENT IN SWEET V. CARDONA ALSO BACKS MY CLAIM. THERE IS XXXX REASON TO DENY THIS CLAIM. CONTINUED DENIALS WILL RESULT IN AN IMMEDIATE LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Monitoring the information on the 3 credit reporting agencies, the information provided by PRA is incorrect. 
Date opened : XX/XX/2018 I was homeless at this time. I was unable to receive mail. Yet according to PRA reporting, I opened a XXXX XXXX credit card? 

Payment history : PRA reports as though no payments were made on this account. However, under the recent payments tab it states {$47.00}. 

The information being reported is not factual and not a true representation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. Account : DEPT OF EDUCATION/NELNET Account # xxxxxxxxxxx XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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 non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. Account : DEPT OF EDUCATION/XXXX  Account # XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX3 DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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 non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Failing to provide documents listed below : I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect above-listed alleged debt. Cease & Desist all collection activities including reporting to consumer reporting agencies ( XXXX ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any XXXX. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without ant break of chain.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity/Wayfair XXXX XXXX - This company ( Comenity ) increased my credit limit at my request. I began to order more items from Wayfair because at the time they had really good items. I made the fatal mistake of taking advantage of their no interest purchase on items over a certain price point. Wayfair nor Comenity were ever able to explain how it worked. One day I looked at my statement after making several purchases on this program, to begin paying them off. The statement showed the balances on the purchases much higher than I'd anticipated and the payments I was making should have been credited. Comenity finally said they credit the majority of any payments to regular payments and interest then to the purchase with a deadline on them! My statements showed that I had paid them down and some should've been paid off earlier ( I have every statement to prove it, too big to upload here ). When I made a really large payment months later, to pay down the balances before I knew any of this, it was not credited appropriately to those items or to the acct. as I was told. The chunky payment should've eliminated 2 items still leaving enough for a payment. We ended up in a huge dispute which NO ONE at Comenity ever resolved even when I put it in writing as they insisted. They cancelled my limit increase, placed it at my outstanding balance, never responded to any of my requests to acknowledge or resolve the disputes, then closed my card & charged off the balance due. Then they showed my balance as {$2100.00} & my limit as {$1600.00} which is FALSE AND INACCURATE! My limit was {$2200.00}, the balance at charge off was around $ 1,500+ because I refused to pay them until they corrected it. They refused to correct it hence the charge off & excessive fees. See attached statements with proof of the original {$2200.00} limit vs the balance.

Company response to consumer: Closed with explanation