vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you XXXX days to investigate.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I previously disputed this account XXXX XXXXXXXX XXXX XXXX debt of ( XXXX ) stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation. Please mail me the proof of your investigation and proof that this debt collector has legal right to collect, or delete this account.

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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Company is reporting debt to my consumer report but have not provided any evidence of their authority to do so including proof of claim ; the bookkeeping for alleged debt including all payments made and interest ; original contract bearing my signature, and ; proof of debt ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/XXXX we sent an ACH fi le through our bank XXXX XXXX XXXXXXXX XXXX to another company bank and were given bank information to a bank account held at Bank of America. Our bank sent the ACH and XXXX received an email alert that the account was fraudulent the VP at XXXX XXXXXXXX XXXX XXXX XXXX Consumer Complaint Confirmation | Federal Reserve Consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX made several channels to stop payment, ACH reversal, and processing another debiting the Bank of America 's fraudulent account and found the funds were not available. We contacted BofA 's Regulatory Complaints & Resolution Specialist and were told we would get the full amount of {$130000.00} in our account due to the negligence Bank of America had with the fraudulent account that was opened with their bank. In XXXX we received a partial payment of {$20000.00} and have since sent multiple emails & phone calls leaving voicemails to XXXX XXXX at XXXX asking when the {$110000.00} left would be deposited.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have incorrect payment information on my equifax report. 
XXXX XXXX acct # XXXX showing late payments from XXXX XXXX XXXX acct # XXXX Showing late payments in XX/XX/XXXX and XX/XX/XXXX XXXX acct # XXXX showing late payments in XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armcon Corp
State: CA

Complaint narrative:
This showed up on my credit report while I was applying for a home loan. this is negatively affecting my credit. I have no clue what this is or where it came from. I have not received ANY NOTIFICATION of owing this debt. No phone calls were attempted, no written communication was sent, and this company just willy-nilly added this to my credit report with out obtaining the proper information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 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 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 explanation
Consumer complaint received 2024-01-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NH

Complaint narrative:
Its a rental principal owed from someone who stole my identity. For a apartment rental in XXXX XXXX FL. For XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX are Debt Recovery LLc Genesis from XXXX WA XXXX. I live in NH XXXX and also work here and do not live in florida or did. The rent there is {$3100.00} what i was told i owe is {$17000.00} I did not or would not pay that type of rent or live in florida! Date it is for XX/XX/XXXX to XX/XX/XXXX. So far this is all the information that was given to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received my citi visa credit card bill on XXXX the XXXXXXXX XXXX which announced that the APR on my credit card has been raised to 29.99 % of the balance on the credit card. When I telephoned them on XX/XX/, their representative XXXX explained that this increase was due to the fact that my wife made her payment 1 day late. XXXX also explained that citi visa may or may not lower the 29.99 % interest rate in 6 months. It is at their disgression. I feel this is totally unjust, and I would like you to make them lower the interest rate to below 20 % APR. 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 2024-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
This lease was taken out with American Car Center in XX/XX/2022. American Car Center went out of business and transferred this account to Westlake Portfolio Management. Per the contract any change in the lease should be in writing and signed by me and the assignee. I was not notified that the transfer was going to happen. and certainly did not receive written notice nor did I sign a new lease. I have requested my contract from Westlake Portfolio but what they sent was not the original contract and the loan amount was different. The original contract I actually signed by hand and the contract that was sent was signed electronically. I am not able to get a copy of the contract from American Car Center because they went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TN

Complaint narrative:
Monthly payment made are {$900.00} per month but reported is {$710.00} per month. a difference of {$180.00} per month. 

Have contacted XXXX XXXX XXXX Relations Section of the inaccurate information. The last time contact through phone was XX/XX/2024 Attached are copies of credit report and court order. 

XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.

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 2024-01-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Im not paying your ransom for selling my name. 
I dont care if you keep trafficking my personal information XXXX said they can sell your personal information 100 times if they want and it becomes an emergency to be paid. A two yr old account is still active and continues to change status daily Im not paying for your ransom

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX XXXX is a direct violation of the XXXX XXXX XXXX. As original creditor I was denied an extension of my own credit. Upon asking for original note because the company is for profit corporation I did not authorize the sell of my security. I was told we would not get the original back. I have the prospectus form that outlines the receivables and for investors to be compensated. American Express is an bank an is not Authorized to deny me any amount of credit. This application has been securitized. American Express admits to selling my securities to a number of different underwriters stating and I quote Under the terms and subject to the conditions contained in a terms dated XXXX XXXX which incorporates by reference the provisions contained in the document entitled " American Express Company -- Debt Securities -- Underwriter Agreement Basic Provisions '' filed with the SEC on XX/XX/2015, we have agreed to SELL to the underwriters named below, for whom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are acting as representatives, the following respective principal amounts of the notes. So that's just a minimum to a larger scale of fraud to deny me and blame an credit score and not realizing you just discriminate against me and stole my securities and sold them for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I filed a complaint on XX/XX/XXXX, number XXXX. I received notice on XX/XX/XXXX that the complaint was closed, based on the company 's response. However, I am unable to see said response. Hence, I can not, if necessary, provide a 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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: UT

Complaint narrative:
Received an email XX/XX/XXXX for a debt that is not mine and unsubscribed from their list. I have a service that monitors when my email is subscribed to an email list. I have been re-enrolled without my legal authorization and then emailed every XXXX  days on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights under 15 U.S.C. 1681-2 ( 2 ) ( 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. 
On Wednesday XX/XX/XXXX, the case was brought before Superior District Court regarding RI XXXX XXXX Acct XXXX XXXX that was being disputed due to incorrect amounts, balance transfers that were time-barred and other issues. 
Per the enclosed court transcripts, between Myself, The Judge, Dept of Public Utilities Lawyers and Special Assistant Attorney from Attorney General 's Office. RI XXXX XXXX XXXXtated they have put a hold on any collection activities, including trying to collect money from me, shutting off services or reporting the account to the credit bureaus. I have repeatedly asked that the incorrect {$10000.00} amount be pulled from my credit reports. None of the credit bureaus have removed it, nor have they stopped falsely reporting it. 
Today, XX/XX/XXXX, XXXX am, I spoke with a customer service representative from the XXXX XXXX XXXX XXXX XXXX, regarding Acct # XXXX whose listed as reporting the false information, per my credit report. She told me that XX/XX/XXXX XXXX  XXXX Cancelled the Contract from their office, yet they have not stopped reporting it as a collection debt due, though they were legally advise to stop!!!

I demand that this falsely reported account be immediately removed from all Credit Bureaus ; XXXX, XXXX, Transunion and any others that might be falsely reporting this inaccurate information. XXXX, XXXX, XXXX and 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