vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has failed to report accurate information to the credit bureau. By law, they are suppose to. My positive payment history has not been reported in months. I have made close to {$3000.00} in payments since XXXX and my balance on all my credit reports has not reflected this. I have no payments due until XXXX  because of my very positive payment history of making large payments to pay off balance and interest. Ive contacted them and they told me they have reported my most recent balance in XXXX, but my credit report does not reflect this and have not provided any proof of this. My balance has not been correct since XXXX on all my credit reports. I have had to dispute it on XXXX, but have not had a resolution as of today. I have all the proof in my most up to date balance and payment history. Because of this, Ive not seen improvements with my FICO. In fact, it is affecting me negatively. They need to taken action by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I called credit acceptance and told them that i made 2 payments that were erroneously made into the wrong account they told me they was gon na fix it and either refund the money or credit the money to my account with them, few days later I call them and they told me the money was removed from the other person account and it was going to be either refunded or credited into my auto account as of todays date they do not know wheres the money at!

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 2024-07-31 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: NY

Complaint narrative:
In accordance with the Fair Credit Repprting 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2024-07-31 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was told my funds would be available on XX/XX/XXXX. Then an additional hold was placed. Funds noe wont be available until XX/XX/XXXX. I was told there was a fraud hold for collectability of the amount. I asked what that meant and XXXX saod the funds had not cleared. I verified with the issuing bank and it was verified thst the funds had cleared and there was no problem with fraud or the funds. 
My bank still wknt release the hold says jts compuyet generated and theres nothing they can do. I was lied to multiple times about the hold and the reason fpr the hold being placed.

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 2024-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp.
State: WA

Complaint narrative:
on XX/XX/XXXX Attended XXXX XXXX XXXX XXXX XXXX XXXX. I applied for XXXX  insurance and got approved to start covering from XX/XX/XXXX until XXXX months XXXX. Went in XX/XX/XXXX for another XXXX XXXXd not sure if got billed or not but didn't have knowledge I was going to get billed because I had the XXXX insurance to cover all my XXXX and a couple months XXXX I talked to someone in the hospital and they told me that they would pull this back from my debt. I do have documents stating that I had coverage. The total debt owed to armada corp right now is {$2000.00} the debt was opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2024-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
Dear Sir/Madam XXXX Allied Account Services Inc. ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
this debt was previous disputed and removed because the debt didn't exist, It now has popped back on my credit and it doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I called Bank of America because I had received text notifications that my debit card had been charged, this was somewhere out of state and I disputed it as soon as I got a notification. My wallet was missing from my car then returned to me by the cashier at the gas station that I was at when I returned at night when I retraced my steps. 5 days later on XX/XX/XXXX I received another notification saying that my credit card with Bank of America was also charged twice within the same hour. One charge for {$630.00} and another for {$400.00} with a description " entertainment ''. I XXXX the merchant and saw that it was from a ticket servicing company. I called and they said that 2 charges were made using my credit card number and email, I then was given access to the account and the representative said to log in and delete the credit card number which I did. I then tried to explain to the servicer that I did not make these charges and they said to dispute with the bank as they can't return any charges made. I called Bank of America and explained to them that my wallet had been missing for some time and that 5 days before had to replace my debit card with them that was also compromised. On XX/XX/XXXX Bank of America sent me a letter saying that I used a trusted device related to those charges and so they can not reimburse me. I explained to the dispute center that the day of the dispute I had called the merchant and used my phone to follow the directions under the merchant representatives direction to delete the card number and close the account entirely since it was created under someone else entirely. I also just paid off {$2300.00} towards this card and now the dispute is being reversed because I used my own phone to call the merchant and to try to resolve the issue on my own. This is the first time I've ever had a dispute on this card and its XXXX, everyone has internet access on their phone which is why I called the merchant and obviously used the same phone to try and resolve the issue myself by deleting the card and closing the account. These charges were not made by myself and the second I received notification that my credit card was used I immediately called the dispute center. I should not be held accountable for using my personal phone to call the merchant and to try and resolve the issue myself, which by the way is something the dispute center also mentioned that they would have wanted me to do before submitting a dispute. The attached email is the night I originally called Bank of America to dispute the debit card and to have it replaced which again was only 5 days before my credit card also had fraudulent charges.

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 monetary relief
Consumer complaint received 2024-07-31 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: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You 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.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I mailed letters on XXXX for the companies to rectify these inaccuracies and they have only used stall tactics by telling me to submit info to verify my identity, but I have already done so by submitting my ID with my current address, proof of a bill with current address, and social security card with the 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 2024-07-31 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: IL

Complaint narrative:
I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I mailed letters on XX/XX/year> for the companies to rectify these inaccuracies and they have only used stall tactics by telling me to submit info to verify my identity, but I have already done so by submitting my ID with my current address, proof of a bill with current address, and social security card with the letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
My wife and I put our home for sale and quickly got into a contract using the VA assumption program. We got into a contract with another XXXX XXXX XXXX XXXX and this was in XXXX. We were working with XXXX XXXX Mortgage ( XXXX ) and the process was very slow. We were told it could take anywhere from 4-6 months to complete. 

In XXXX only a couple week before closing we found out that the servicer was being changed to Mr. Cooper and that everything would be transferred as is starting XX/XX/XXXX. XX/XX/XXXX we ended up closing and our title company sent all the documents to XXXX like stated on the closing package. They were supposed to record it and process it and instead they just sent it to Mr. Cooper, just for Mr. Cooper to tell us that they needed to send it back to the original servicer ( XXXX ). At this point it was already mid-late XXXX and nothing has been done until we started bothering them and asking questions and it finally got recorded and processed around XXXX. This is now about 8 months after starting the process and XXXX XXXX months after closing. We were told that the documents had been complete and were being sent back to Mr. Cooper for them to process everything and then send it to the XXXX Ive contacted the VA numerous times now and they have not received anything from Mr. Cooper XXXX We are now almost in XXXX and nothing has been done. Mr. Cooper now will not speak to us since we are not the owners of the home anymore and the loan is not under our names. It is now listed under the new owners names with XXXX XXXX and the mortgage company. The VA is still showing us as the owners and are still using my entitlements because XXXX has not sent the Closing/Assumption documents that include the release of liability form that is needed in order to release me of liability and use the new owners entitlements. We are now almost in XXXX and we moved in XXXX to Oklahoma and were supposed to be buying a house and ended up having to back out because our entitlements are completely tied up with this house. No one can direct us, no one can help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Went to XXXX XXXX XXXX In XXXX of XXXX and sat with doctor XXXX his XXXX  and his his billing cashier.I asked the doctor if he would be able to help me catch up on dental work that would be covered by my primary and secondary insurance. 
he said absolutly thats what they do all day.I asked him if he could work with my two insurances and I could pay my out of pocket as we did each procedure.He said yes, I asked him if he would be able to let me know when we had used up and exausted my bennifits so we could stop and start agian in the next calender year when benefites were replenished.He said yes no problem so we made our first appointment and began the process.The rest of that year went according to plan with no issuesnd year i paid my out of pocket as we went along.Then we started the 2nd year XXXX went along the same way payed my out of pocket as i went along no problems.Then it was time for a cleaning had appointment for XX/XX/XXXX at XXXX i got the usual 3 text reminders that day even one on my way there, when i arrived office was closed nobody there no sign or anything on the door explaining why they were closed.after calling for several weeks finally some one answered and a new appointment was made for XXXX and when i showed up for appointment the hygenist and i were the only one in the office he told me my out of pocket for the cleaning was {$350.00} i said ther must me some mistake they told me when i made the appointment thay told me the cleaning was all covered by the insurances so he said your right leta just do it they will fix billing tomorrow. In XXXX I recieved a statement from XXXX XXXX XXXX stating i owed them XXXX XXXXXXXXI have been to the office three times after that and all three times they apologized and told me I paid all my out of pocket charges and they are just waiting for the insurances to pay their part and most of the time it takes the insurance months to pay on benifits, they said i should have never recieved a statement because I am all paid up.The next month i recieved the same statement.This went on for some time i made several attempts to speak XXXX XXXX XXXX and was un successful.I told the new office manager this will never be resolved until the doctor calls and speaks with me.To this day i have recieved no calls no texts no emails or regular mail! Please give me some guidance as they have now sent the bill to a collection agency.

Company response to consumer: Closed with explanation