vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
MOHELA HAS RETURNED ME TO COLLECTIONS AND SENDING COLLECTION NOTICES EVEN AFTER MULTIPLE ATTEMPTS TO FORBEARANCE, OR APPLYING FOR THE PSLF OR SAVE. AT ONE POINT I WAS ON THE PROGRAM AND THEN IT RETURNED TO COLLECTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CarMax, Inc.
State: PA

Complaint narrative:
I am writing to formally report an issue I encountered while applying for a car loan through CarMax. With out my consent, they ran my credit through multiple companies. I spoke with a representative who assured me that this was acceptable and that all inquiries would be consolidated into one once I finalized the vehicle purchase.

However, I have noticed that my credit report still reflects an excessive number of hard inquiries, which is negatively impacting my credit score. I believe this contradicts the information provided to me by CarMaxs representative.

I would appreciate your assistance in addressing this matter, as I was misled regarding the consolidation of inquiries. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XX/XX/year> I hope this letter finds you well I am asking for the cfpbs help in a system me or protecting my rights i have been violated by XXXX and transunion I wrote to the Delaware XXXX XXXX bankruptcy court on XXXX seeking confirmation about the reported bankruptcy, and received a letter in response > stating they do NOT furnish any consumer data to XXXX, Transunion or other credit entities. I also sent 3 dispute letters to XXXX and Transunion citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankruptcy that is not mine also. I sent notarized affidavits also. I also sent XXXX a letter documentation of contacting The XXXX court directly inquiring about their records, but received no response. Despite XXXX and Transunions failure to validate or deny the report to you directly as the natural person creditor. XXXX and Transunion has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I RECENTLY REQUESTED THE ITEM /ITEMS LISTED TO BE DISPUTED AS A FORM OF VIOLATING MY CONSUMER RIGHTS 15 USC-1681 & 15 U.S.C 1681 SECTION 602 a. I REQUESTED THE APPLICATION AS PROOF OF OWNERSHIP. PLEASE SEND ME THE INFORMATION THAT WAS USED INCLUDING THE INTERVIEW YOU MAY HAVE HAD WITH THE COMANY .PLEASE PROVID ME WITH THE VERFIED INFORMATION OF OWNERSHIP AND AGREEMENT BETWEEN MYSELF AND THE CREDITOR OR REMOVE THE NEGATIVE REPORTING AS IT VIOLATES MY CONSUMER RIGHTS. 
XXXX XXXX XXXXCB/XXXX XXXX XXXXCB/XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I RECENTLY REQUESTED THE ITEM /ITEMS LISTED TO BE DISPUTED AS A FORM OF VIOLATING MY CONSUMER RIGHTS 15 USC-1681 & 15 U.S.C 1681 SECTION 602 a. I REQUESTED THE APPLICATION AS PROOF OF OWNERSHIP. PLEASE SEND ME THE INFORMATION THAT WAS USED INCLUDING THE INTERVIEW YOU MAY HAVE HAD WITH THE COMANY .PLEASE PROVID ME WITH THE VERFIED INFORMATION OF OWNERSHIP AND AGREEMENT BETWEEN MYSELF AND THE CREDITOR OR REMOVE THE NEGATIVE REPORTING AS IT VIOLATES MY CONSUMER RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX took out multiple credit cards and loans in mine and my family 's name over many years without our knowledge or consent. He used our personal information without our consent to do this. We discovered that he did this after reviewing our credit reports XX/XX/XXXX. 
These are the credit cards taken out on my name without my consent : 1. Capital One ; taken out XX/XX/XXXX in the amount of {$10000.00} XXXX XXXXXXXX XXXX ; taken out XX/XX/XXXX in the amount of {$7000.00} XXXX. XXXX XXXX ; taken out XX/XX/XXXX in the amount of {$2900.00} XXXX XXXX ; taken out XX/XX/XXXX in the amount of {$540.00} XXXX. XXXX, taken out XX/XX/XXXX in the amount of {$2800.00} XXXX. XXXX XXXX ; taken out XX/XX/XXXX in the amount of {$4000.00} These are the loans taken out on my name without my consent : XXXX XXXX XXXX XXXX taken out XX/XX/XXXX in the amount of {$14000.00} XXXX. XXXX XXXX. taken out XX/XX/XXXX in the amount of {$8300.00} XXXX. XXXX XXXX XXXX, taken out XX/XX/XXXX in the amount of {$37000.00} XXXX. XXXX XXXX XXXX, taken out XX/XX/XXXX in the amount of {$11000.00} XXXX. XXXX XXXX, taken out XX/XX/XXXX in the amount of {$18000.00} XXXX. XXXX XXXX, taken out XX/XX/XXXX in the amount of {$7900.00} XXXX. XXXX XXXX, taken out XX/XX/XXXX in the amount of {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TX

Complaint narrative:
DELETE HARD INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation
State: SC

Complaint narrative:
I am writing to formally request the deletion of certain charged-off accounts from my credit report under the provisions of 15 USC 1681 ( e ) B. According to this statute, debts that have been charged off are considered by the IRS to be canceled or forgiven, and thus should not be reported as outstanding liabilities on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am writing to formally request the deletion of certain charged-off accounts from my credit report under the provisions of 15 USC 1681 ( e ) B. According to this statute, debts that have been charged off are considered by the IRS to be canceled or forgiven, and thus should not be reported as outstanding liabilities on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX NCB Management Service XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Dispute of Debt and Demand for Verified Documentation Fair Debt Collection Practice Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) To Whom it May Concern, I am wiring regarding the unpaid debts on the derogatory accounts listed above, which I dispute and attempt to correct your records. By sending this letter I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I received from you will be collected as evidence should any further action be necessary. Please also be advised that non- compliance with my demands, could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me under penalty of perjury with the following verified documentary evidence of alleged debt : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt, 1 Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2 Proof that the Statute of Limitations has not expired ; 3 Complete payment history on this account along with an accounting of all additional charges being assessed ; 4 Proof that you are licensed to collect in my state ; and 5 7.Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
After I filed this claim I received a partial history PDF from XXXX. I have been a PAYPAL client since XXXX I have attached the evidence that many payments to me were NEVER " COMPLETED '', and show that they REMAINED " PENDING. '' The CFPB closed my case without any resolution, beside the PAYPAL company providing me with an " INCOMPLETE '' ACCOUNTING '' of ALL TRANSACTIONS. The report that I received only CONFIRMS MY MISSING PAYMENTS. There are more, dating back further on my XXXX XXXX accounting of PAYMENTS SENT TO PAYPAL. These are proof of my " MISSING PAYMENTS. '' SOME of them are documented here. HOW CAN I RECEIVE THOSE FUNDS NOW THAT WE HAVE FOUND THEM? ALSO, WHEN CAN I EXPECT THE REMAINING MISSING PAGES OF MY ACCOUNT HISTORY? 
Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good XXXX, I looked at my credit report back on XX/XX/year> and realized that some things were incomplete and not accurate. I sent a letter asking them to reinvestigate these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After going through my latest credit report, I noticed several accounts that seem to have been added without my approval. I ask for these inaccurate accounts to be blocked and removed at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
XX/XX/XXXX - I was granted a loan Assumption and tried to access my mortgage account online through Freedom Mortgage but the online account was no longer accessible. I called Freedom Mortgage and they told me that they have no way for anyone with an assumption to access their account information online. So I now do not have any access to my loan information online including a way to pay my mortgage on auto pay and to manage it electronically. They told me I had to send a written form request for an ACH payment to come out of my bank account. I sent the ACH form by fax on XX/XX/XXXX and was told it was recieved by Freedom. However, they can not confirm when the ACH will actually be authorized and if my payment for XXXX will be made on time. I am concerned about whether my payment for XX/XX/XXXX will be paid on time. They are refusing to take any payment over the phone. So if Freedom Mortgage does not process my payment by this month 's deadline, how will I make my mortgage payment on time? They are not helping me. And, now I have no access to my account online. They told me that they have no way of fixing access to online accounts for anyone with a mortgage assumption and there is no timeline as to when someone will be able to address it. I NEED access to manage my own account online! And I need a timely manner in which to pay my mortgage and be able to adjust that payment easily. I should not have to submit a paper form every single time I want to make or adjust my payment. This is preventing me from managing my account in a timely manner and this is not right! I was granted this assumption legally and should have FULL access to every detail of my account on line. I had more access to this account before the assumption! Now I am locked out of my own information. This is not right! My information should be 100 % easily accessible.

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 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XXXXXXXX XXXX I contacted ALLY Bank to advise the online transfer module was not working properly. When it still wasnt fixed, contacted them again XX/XX/year>. Two cases were reopened - one with the XXXX XXXX, reference number XXXX, second issue was not being able to edit date or amount on a recurring transfer, case number XXXX. I have been advised it looks like my account has been corrupted, yet ALLY Bank does not fix the issues. Today, XX/XX/year>, I can not view transfer activity history, nor upcoming recurring transfers. I can not view upcoming transfers today. New incident report number XXXX. At this time, we only have about a week for me to view, edit recurring transfers, some one time scheduled transfers, and now I need to transfer money to pay my accountant for income tax prep. I dont have funds elsewhere to pay this tax prep fee, nor the upcoming XXXX XXXX XXXXXXXX GA and XXXX XXXX GA property tax bills. With ALLY Bank not fixing the account, I dont know if the funds will transfer timely to pay all these bills or not. They all have due dates, interest or penalties. There are very serious ramifications for me here, and I am furious that ALLY Bank has not resolved these online banking issues. I have requested a member of management contact me with the date the resolution will be completed, and any work-around they can implement in the meantime, for me to be able to access these above-referenced funds timely, so that I can pay the accountant, and the city and county property taxes. Case number XXXX. Now, on the accountants tax prep bill, he wont file my income taxes for me, electronically, until he is paid. Well, that means the tax filing deadlines are tomorrow, XX/XX/year>! So, now ALLY bank will be responsible for late tax filing fees, since I cant access the tax account to transfer the funds to pay my accountant! This is all so unacceptable! Please advise if you can help me. If not, please advise me where to submit this complaint. 
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