vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This debt listed with Amsher Collection Services , Inc. is a duplicate entry for the same debt The XXXX XXXX and XXXX XXXX XXXX previously listed on all my credit reports with all credit bureaus. I have made several attempts over the past several days via telephone for Amsher Collection Services , Inc. to verify proof that I used the services provided by XXXX. I have requested Amsher Collection Services to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with twelve ( 12 ) months of billing statements showing I used the services, all to no avail. The response I received was That information is not available at this time. I have requested this information via certified mail on XX/XX/ and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: PA

Complaint narrative:
Since XXXX | have been being contacted my XXXX  XXXX XXXX about a balance owed to them for a XXXX  visit. I told them multiple times I had insurance at the time & was never given any type of contact information for me to send over my insurance information. I go to check my credit report & see that my account was now sold to American Collections even after telling the original company each time that I have health insurance which would/should have covered the stay. Ive tried contacting American Collections multiple times via phone with no luck. This account should in no way be on my credit report when I was never given the proper process to resolve this issue.

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 2024-03-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

I sent a letter asking them to reinvestigate these accounts listed below Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-30 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
BMW financial services reported two late payments to the credit all 3 credit agencies. By law Cornell law. 15 usc 1681 ( a ) ( 2 ) exclusions. ( i ) exclusions. Except provided in paragraph ( 3 ), the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( BMW financial services ) making the report ; this reporting of the two late payments to equifax , transunion , and experian are clearly a violation of the law!! PLEASE REMOVE THE TWO LATE PAYMENTS FROM MY CREDIT REPORT. as this is a violation of the law. This is the law stated in XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX XXXX XXXX XXXXXXXX ) Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), And 15 USC 1681e ( b ) Once you have deleted my accounts from my credit report, Please send me a copy of my updated report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX we sent a security with a declared value of {$19000.00} to Capital One Registered mail # XXXX With no response. That was the last time we received any letters of communication or debt securities/remittance coupon from Capital One. 
In XX/XX/XXXX we tried sending a debt XXXX coupon to who we thought was a Capital One trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a declared value of {$890.00} Registered mail # XXXX with no answer to communication. 
In XXXXXXXX XXXX XXXXXXXX we found a trustee for Capital One XXXX XXXX with XXXX XXXX XXXX XXXX XXXX and sent her a XXXX asking to remit it properly and send back copy sent certified mail return receipt # XXXX with no answer to communication. 
In XXXXXXXX XXXX XXXXXXXX there was a knock at our door with a man and a tow truck claiming to be sent from Capital One to take our vehicle. We refused and he threatened us before he left. 
The next day we sent a Conditional Acceptance for Value for Proof of Claim, For VALIDATION of Alleged Debt to XXXX XXXX XXXX XXXX of Capital One, Certified mail return receipt # XXXX with no response to communication. 
In XXXX we sent a Notice of Fault and Opportunity to XXXX XXXX XXXX XXXX  letter Certified mail return receipt # XXXX with no answer to communication. 
A couple days ago we looked on our ring cam and found that another person came to our door driving a tow truck while we where not home. 

We have tried to remedy the situation by communicating with letters securities/remittance coupons and Promissory notes without responses 31 usc 5118 We checked our credit reports and it says charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello A few months back in XX/XX/XXXX I began having some financial difficulties and I could not pay my Capital One credit card bill. I fell behind on payments but months later In XXXX of XXXX I was able to start and a financial plan to get back on track with monthly payments. I called XXXX  XX/XX/XXXX to see if I could get some help crediting me back some of those {$35.00} late fees that had been added for the missed payments. The representative told me she reviewed my account but there was nothing they could do. What I thought was unprofessional is that she then went on to tell me that the company understands these are tough times for everyone but to just try and make payments on time. As if I did not know that little piece of information. For a good while I had been up to date on payments and kept making my monthly minimums since its all I could make at the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 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: PA

Complaint narrative:
XXXX submitted to XXXX XXXX, XXXX. Applied to only half my loans by XXXX ( all of my loans qualify for both XXXX  ). Was told this would be updated to the remainder of loans in XXXX. Federal loans transferred from XXXX to Mohela in XX/XX/XXXX for XXXX. Mohela only applies the XXXX  rate to half the loans and does not update this. The remaining loans are on XXXX repayment. Spoke over phone XXXX XXXX, placed on admin. forbearance and resubmit XXXX  request at that time. Forbearance ends in XX/XX/XXXX. I call again several times and eventually am told they are still processing IDR request. Placed back on forbearance once again through XX/XX/XXXX. XXXX  request remains unprocessed. Have now missed 5 months worth of XXXX payments while on forbearance. No information is being provided by Mohela and they continue to delay processing of my XXXX  request with recurrent forbearance placement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I wanted to acquire Vehicle with low interest but unfortunately I Have Damages on my credit report. According to the 15 U.S.C 1681-Law their should not be any damages on my credit report its a deformation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax XXXX and XXXX are not complying with fair credit report act guidelines now I have made complaint of these situations and Im not at liberty to keep wasting my time my rights are being violated and what the credit bureaus have done is illegal and upsetting I have made my payments on time on all my accounts and there also is accounts on my credit report that are over XXXX years and it has no right to be on my credit the law is the law and you need to enforce to them that they are breaking it Im not going to repeat my statement i will take full legal action against all responsible because of not abiding by the law these accounts need updated and deleted I will attach my proof now you enforce this matter or I will sue both parties for breaking the law and they are reporting late payments which is not relevant to what it is I can prove I pay all my accounts on time I have had enough of their foolish lies they are to abide by the rules

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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.

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 2024-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Cancelled PMI with XXXX, and then Roundpoint mortgage servicing and they are not cancelling the PMI. Loan to value is now below 78 % and they are refusing to drop PMI per the statute.

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 2024-03-30 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: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2024-03-30 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: Sunbit, Inc.
State: TX

Complaint narrative:
Sunbit report 3 late payments to the credit agencies. According the XXXX XXXX XXXX 15 usc 1681 ( a ) ( 2 ) .exclusions ( i ) this redoing is a violation of the law.this law under exclusions states that .EXCLUSIONS : Except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( sunbit ) making the report. Therfore reporting late payments to XXXX, XXXX  and XXXX is a clear violation of this law. Please remove late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Deposited a check into my WELLS FARGO mobile banking on XX/XX/year> and they are holding 92.5 % ( thousands of dollars ) of the funds until XX/XX/year>. WF says they havent received the funds or it hasnt cleared or something. I dont understand how my funds can be withheld for this long. Its ridiculous. These funds were deposited because I need to pay bills on the XXXX of 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 2024-03-30 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Payfare International Inc.
State: OH

Complaint narrative:
I started XXXX  about a week ago. I went to setup my XXXX account. Put all the info it asked me, including my social security # and my license. Then it didnt get approved. I called support and they told me to reply to said email. I did, and they asked me again to fill out the form. But this time they wanted my XXXX and said that a tax return was non sufficient. Which made no sense to me because you get your XXXX with your taxes. I resubmitted the application with the info, and they replied saying I didnt get approved again and that I could not resubmit. Ever since Ive called support over and over asking the same questions and get no where. They bring me all the way to the higher support, just to tell me to reply to the email again. I did so and they keep sending the email that says I can not resubmit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
XX/XX/28 my vehicle was repo. I have sent this company 2 registered securities and they did not acknowledge them. According to 31USC 51 18 D, a promissory note is equivalent to money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX Transunion and XXXX are not complying with fair credit report act guidelines now I have made complaint of these situations and Im not at liberty to keep wasting my time my rights are being violated and what the credit bureaus have done is illegal and upsetting I have made my payments on time on all my accounts and there also is accounts on my credit report that are over XXXX years and it has no right to be on my credit the law is the law and you need to enforce to them that they are breaking it Im not going to repeat my statement i will take full legal action against all responsible because of not abiding by the law these accounts need updated and deleted I will attach my proof now you enforce this matter or I will sue both parties for breaking the law and they are reporting late payments which is not relevant to what it is I can prove I pay all my accounts on time I have had enough of their foolish lies they are to abide by the rules

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX and Experian are not complying with fair credit report act guidelines now I have made complaint of these situations and Im not at liberty to keep wasting my time my rights are being violated and what the credit bureaus have done is illegal and upsetting I have made my payments on time on all my accounts and there also is accounts on my credit report that are over 7-10 years and it has no right to be on my credit the law is the law and you need to enforce to them that they are breaking it Im not going to repeat my statement i will take full legal action against all responsible because of not abiding by the law these accounts need updated and deleted I will attach my proof now you enforce this matter or I will sue both parties for breaking the law and they are reporting late payments which is not relevant to what it is I can prove I pay all my accounts on time I have had enough of their foolish lies they are to abide by the rules

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