vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX a letter was mailed to XXXX regarding improper reporting and XXXX did not respond. A complaint was submitted to the CFPB on XX/XX/XXXX regarding this issue and as of XX/XX/XXXX the matter is still open and pending. XXXX has updated all open accounts as agreed while investigation is in progress. I, the consumer, am submitting this complaint as a follow-up to the XX/XX/XXXX complaint. The closed account with Bank of America is still reporting adverse items. 
Per 15 USC 6805 CFPB must enforce all the following regulations : Per 15 USC 1681a ( 2 ) ( A ) ( i ) financial transactions by consumer are not to be reported without my permission. 
Per 15 USC 1681c no adverse item of information may be reported regarding my consumer information unless it is a conviction of a crime. 
Per 15 USC 1681n ( a ) due to willful noncompliance, I am entitled to up to XXXX US dollars Per 15 USC 1681o ( a ) due to negligent noncompliance, I am entitled to actual damages sustained as a result of failure to comply Per 15 USC 1681s ( a ) ( 2 ) ( A ) I, the consumer an entitled to not less than XXXX US dollars per violation of each willful or negligent noncompliance in a United States district court Per Privacy Act of 1974 ( 5 USC 552a ( 4 ) ( b ) I must consent to any disclosure of my records.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 A charge card account was actually approved by the XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/2023, and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted XXXX to request the account be cancelled.

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 2023-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
5 years ago I took out a high interest personal loan with Eagle Loans XXXX XXXX and shortly thereafter hit a financial crisis and couldnt pay so I contacted the office and spoke to the manager and explained everything to her, she was super nice I believe her name was XXXX and she stated that I dont need to worry about it as I had been a good customer before and she would write off the loan and not collect on it. I then decided to file XXXX XXXX but had to dismiss that when I couldnt afford my house anymore and was forced to sell it. I never heard anything from Eagle Loans again for 5 years consistent with what the manager told me until XX/XX/2023 when eagle loans contacted me and said they had located my loan and wanted me to pay immediately I explained everything to them and they just ignored what I said and said there was no record of that I asked then why would the loan sit there for 5 years with zero communication or collection attempts and that validates what I told you and they just ignored me. I offered to settle the loan for {$500.00} and they referred me to an attorney. I spoke to the attorneys collection manager and explained everything to her and she said that eagle loans claims there is not record of this and I asked then what did they wait 5 years to try to collect? And she didnt know. I then offered a {$1000.00} settlement in full in good faith even though I was given a verbal agreement 5 years ago that I would nott have to pay and the collection manager stated that she would speak to eagle loans and get back to me. Instead of ever getting back to me they just filed a civil suit asking for {$2100.00} plus 5 years of interest at 25 %. This company is ignoring what their authorized representative told me 5 years ago and acting in bad faith, an almost predatory manner with the statue of limitations up at end of this year. A company should keep their promises and negotiate in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Certified letter was sent on XX/XX/XXXX regarding a charged off as bad debt Purchased by another lender and also to the purchase lender that the am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws and that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. buy never received any response from no one but from from the original creditor. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual 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 2023-05-05 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 — Was not notified of investigation status or results
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I am entitled to complete disclosure of the retail installment agreement made on XX/XX/XXXX. On XX/XX/XXXX I sent a letter to American Credit Acceptance asking them disclose the amount of credit I was approved for my XXXX XXXX XXXX, the amount that was paid directly to me, the amount that was credited to my account to discharge the obligation, and a statement indicating whether or not I am entitled to rebate of the finance charge prepayment. I am entitled to this information under 15 U.S.C 1638. American Credit Acceptance did not respond with this information within 30 days, and not at all. On XX/XX/XXXX I sent an Affidavit of Truth. This Affidavit went unrebutted. An affidavit unrebutted Stands as Truth. The American Credit Acceptance account reported on my credit report is fraud and must be deleted from my credit reports. The retail installment agreement is fraudulent and has never been enforceable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2023-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am writing to you to address my ongoing concerns with Mohela regarding my student loan account. This is my second complaint to your bureau as the first one did not resolve my issue. 

I appreciate the information that Mohela has provided regarding my account status. However, I must reiterate that my issue concerns incorrect loan terms and payments, which have not been updated despite my repeated attempts to rectify the situation. As previously stated, I was placed on an Income Driven Plan ( IDR ) PAYE plan by XXXX in XX/XX/2021, with a total monthly payment of {$470.00}. Due to the XXXX forbearance, the federal government postponed any additional income recertifications and loan payments, with plans to resume payments from previous income recertification once the payments begin. 

While I understand that Mohela is updating my recertification date deadline to reflect additional extensions of XXXX relief, the response further implies that my payment amount will increase to {$2300.00}, which I can not afford. My request is simple : I ask that my previous payments of {$470.00} continue, and that my income recertification date be extended as per the guidelines on the studentaid.gov website. 

Despite my repeated attempts to reach out to Mohela over the last six months, I have been placed on long holds, been hung up upon, and have had significant difficulty escalating this issue within their departments. Moreover, no one has been able to explain the discrepancies or the rationale behind it. This has left me feeling frustrated and helpless. 

I implore you and your team to take immediate action to resolve this issue. As a borrower, I have been making every effort to comply with the guidelines set out by the federal government, and I expect Mohela, as my loan servicer, to do the same. 

Thank you for your attention to this matter, and I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-05-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is Experians duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Experian is reporting an inaccurate late payment for the XXXX  account XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Experian written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.

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 2023-05-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX D.O.B : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : Requesting a Method of Validation Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

Please see attachments. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX D.O.B : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : Requesting a Method of Validation Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

Please see attachments. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, 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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: IL

Complaint narrative:
There are things on my credit I have nothing to do with

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 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I see ZIONS DEBT HOLDINGS on my credit in the amount of {$1200.00} from XXXX XXXX XXXX. I have no knowledge of this of this collection, and would like for them to approve a contract with me and if not I would like for them to remove this debt off my credit report as soon as possible.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have an account with Comenity bank, which is a store card for Zales. I have two promotional balances on this account currently and have faithfully paid on time and well over the minimum required balance. Unfortunately, Comenity continues to split the payments between the two balances instead of applying the payments toward the promotional balance that ends on XX/XX/XXXX. I called last week to ask why this is and got an explanation of their policy and the agent admitted that the payment allocation does follow the policy. On that call, I confirmed the remaining balance for that promotion was {$85.00}. I made a one time payment on that call for the amount of {$85.00}, which I was told would pay off that promotional plan. I also had another scheduled payment after that for XXXX posted on XX/XX/XXXX. I called today, XX/XX/XXXX and was told there is still an XXXX balance on the promo ending on XX/XX/XXXX. The rep, XXXX XXXX, stated I will find out how my last two payments were applied on my next statement. She refused to provide confirmation in writing that they applied the payment to the promo ending on XX/XX/XXXX. She also refused to provide a physical address for Comenity Bank so that I could send a XXXX request for information. 

Of the {$75.00} paid on XX/XX/XXXX, only XXXX was applied to the promo ending on XX/XX/XXXX and XXXX was applied to the promo ending on XX/XX/XXXX. 

Payment made on XX/XX/XXXX for {$75.00} was applied as XXXX toward the promo ending on XX/XX/XXXX and XXXX applied to the promo ending on XX/XX/XXXX Both of the statements with the above payment applications warn me to pay off my promo balance soon but fail to provide me a way to do so. The reality is, both of those {$75.00} payments should have more than paid off the remaining promo balance that ends on XX/XX/XXXX. 

I have attached the statements showing how these payments were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1.XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation