vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
Easy to read billing statements? I dont think so. Nothing could be more confusing. 

Ive made XXXX payments over the last 8 months. Total amount paid in {$3300.00} towards a loan of XXXX. XXXX Date : XX/XX/2024 XXXX XXXX XXXX balance is XXXX after my last payment of {$200.00} This cant be right. According to this statement Ive only paid {$110.00} towards the XXXX balance. 

To make it so confusing I have XXXX deferent amounts showing for my Balances Something is really screwed up. This is criminal. 

Please correct the errors on my account immediately. All previous payment authorization are now revoked. You do not have my permission to submit payment request to my account on file, please remove my banking information from the database, Please provide me with a clear and understandable statement with the correct account balance. 

Previous Balance : {$3100.00} Current XXXX Outstanding Principal Balance : {$2700.00} New Balance : {$3100.00} Nothing Adds Up. 


Current XXXX Payment XXXX Due Date : XXXX XXXX ACCOUNT SUMMARY Credit Limit : {$3200.00} Outstanding Principal Balance : {$2700.00} Available XXXX : {$450.00} AMOUNTS DUE Minimum Payment Due : {$190.00} Due Date : XX/XX/2024 Your Minimum Payment includes your Billing Cycle Charge {$170.00} and a {$27.00} Mandatory Principal XXXX XXXX XXXX Outstanding Principal Balance. Any XXXX XXXX XXXX is not included in your XXXX XXXX. 
Amount Past Due ( Due Immediately ) : {$0.00} STATEMENT SUMMARY Previous Balance : {$3100.00} XXXX Error Advances : {$0.00} Payments and Credits : {$200.00} Fees ( Billing Cycle Charges ) : {$170.00} New Balance : {$3100.00} XXXX These numbers cant be the correct Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
We pay our landlord by check normally but reached out to them to request ACH information. At the time, their email had been hacked into and the hackers infiltrated the email and sent us their ACH information. The landlord has since let us know that the account we sent the information to was incorrect and that they had been hacked at the same time. We have the banking information for the person who hacked into their email account. Bank of America ( the hackers bank ) indicated they denied our request to have the money sent back to us. We are filing police reports in the hopes to eventually stop this person from taking any more money from others. I will be following up with our landlord and letting them know, if their other tenants sent money to them they should also file reports. We have also filed a report with the FTC. Our complaint is about Bank of America and their lack of willingness to investigate the claim and retrieve the money back from a hacker. They should have all their information since typically a form of identification and SSN is required to open an account. The amount transferred was {$32000.00}.

The people may be working out of XXXX XXXX XXXX, XXXX, AR XXXX since that is what was listed as the Beneficiary address on the ACH information.

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 2024-05-20 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: Muskegon Car Credit, Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  15U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. If also states a consume reporting agency can not furnish an account without my instructions. 15 U.S.C 1681 C. ( 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
I am filing this complaint against XXXX XXXXXXXX for violations of the following laws and regulations in their debt collection practices : 12 CFR 1006.34 ( b ) ( 5 ) : XXXX XXXXXXXX has not provided me with validation information about the alleged debt, despite placing a collection notice on my credit report. 

12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been given a reasonable opportunity to dispute the validity of this debt before it was reported to the credit bureaus.

12 CFR 1006.34 ( d ) : XXXX XXXXXXXX is furnishing information about this account to consumer reporting agencies without providing the required disclosures, including my right to dispute the debt.

15 USC 1681s-2 ( a ) ( 7 ) ( A ) : The information being reported to the credit bureaus is inaccurate and misleading, as I have not been given the chance to dispute it.

15 U.S.C. 6802 : XXXX XXXXXXXX has disclosed my nonpublic personal information to third parties without providing the required notice under the Gramm-Leach-Bliley Act. 

I believe XXXX XXXXXXXX is engaging in deceptive and unfair debt collection practices that violate my consumer rights. I request that the CFPB investigate this matter and take appropriate action to protect me and other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My XXXX XXXX account has been removed from Transunion report without any reason. 
I contacted both XXXX and Transunion to correct the inaccuracy and both blame it on each other and I am lost in the middle.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A Company with the number XXXX calls my family and people who i have no real contact with looking for me about a debt my mom and i settled with bank of America over XXXX  years ago. i have no debts with bank of America and in fact have them as a bank still. they have called my family harassing them and former in-laws of my brother who i have no contact with. when i ask for proof of any debt they tell me they dont have to give me anything

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 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is guilty of gross negligence ; violation of federal laws ; slander, destructive accusations ; illegally making me lose over {>= $1,000,000} in wires to a cryptocurrency scam which are violations of Electronic Fund Transfer Act, 15 U.S.C. 1693et. seq. ( " EFTA '' ) ; fraudulently keeping my money which money was only and only returned weeks later after I complained to CFPB ; violaltionsof Article 4 of the Florida Uniform Commercial Code, Cha. 670, Fla. Stat ; breach of contract and breach of covenant of good faith and fair dealing.

For many years banking institutions have become too familiar with these type of specific scams, therefore, these insitutions have been placed in the best position to stop and prevent these scams from occuring but failed to do so by making me lose over {>= $1,000,000}. Yet, Bank of America has an entire section of its website dedicated to " privacy and security '' Further, despite the fact of having been Bank of America 's client for over forty ( 40 ) years, I was mistreated, slandered in front of my cllients, accused of being a criminal, accused of being involved in money laundering simply because after forty years I decided to wire money and ended up losing over {>= $1,000,000} because Bank of America failed to do their job in protecting me in violation of the EFTA. 

Bank of America 's actions caused me financial and emotional trauma and must compensate me for my losses.

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 2024-05-20 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: OR

Complaint narrative:
Nine months after I paid off my car loan, and without any letters or notice, they came and repossessed my car. When I called them, they stated I owed them a large amount of money, wouldn't tell me what it was for, made me pay for it in order to get my car back. I have asked repeatedly for my pink slip and they never provided it. They also charged me fees for " supposedly '' to receive my pink slip ( California fees ) and I don't live in California. They know this because they repossessed my vehicle in Oregon. This company continues to refuse to tell me what the {$1900.00} plus repossession fees with XXXX XXXX and {$90.00} with XXXX XXXX to get my vehicle back is for. They will not provide me with any information whatsoever. On top of all this, after I picked up my vehicle and paid them all this money, they sent me a certified letter dated XX/XX/XXXX saying they are going to sale my vehicle at auction! This is extremely illegal, especially since I supposedly paid them off for my vehicle a second time. Furthermore, they picked up my vehicle leaving no notice from private property. I thought it was stolen since there was no paperwork from them. The one page XX/XX/XXXX letter is the only letter I have received since paying off my vehicle 9 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my 2nd complaint against Equifax. It has been over a year and this issue has not been resolved. I have been trying to pull my credit report and it always comes up there is an error. They finally asked me to send info via USPS which is the most non secure form of verifying info. I sent the info several times only for them to tell me that the papers were blurred. That is impossible as I checked several times. I have re-sent the paperwork yet again and now they are saying there are some form letters incorrect so there is still nothing that can be done. Each representative I get has a different response. My next step is to file a formal lawsuit against Equifax as this is not acceptable customer service to continue to get the run around about my credit. All of the other bureaus have figured it out so I am unclear why Equifax can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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  15U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. If also states a consume reporting agency can not furnish an account without my instructions. 15 U.S.C 1681 C. ( 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report 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 2024-05-20 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:
I have filed a FTC report because my credit report shows fraudulent activity. My name is spelled incorrectly and the address listed does not match my current address. There are multiple accounts that do not belong to me listed on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I do not have any connections with these data furnishers I have never signed any agreements nor have I given consent for my non public information to be shared. 15 USC 1681i requires accurate information to be furnished and after a full investigation if these items can not be verified they shall be removed.

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 2024-05-20 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: FL

Complaint narrative:
I have filed a FTC report because my credit report shows fraudulent activity. My name is spelled incorrectly and the address listed does not match my current address. There are multiple accounts that do not belong to me listed on my consumer report. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX. I do not have any connections with these data furnishers I have never signed any agreements nor have I given consent for my non public information to be shared. 15 USC 1681i requires accurate information to be furnished and after a full investigation if these items can not be verified they shall be removed.

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 2024-05-20 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: AE

Complaint narrative:
I had a personal loan with used to be XXXX XXXX XXXX now they are XXXX. I guess they changed their name do a lawsuit wouldn't be brought against them like XXXX XXXX XXXX. I had XXXX personal loans with XXXX in XXXX, XXXX & XXXX. Each time the interest rate was in violation of the SCRA. I would ask why the rate was over XXXX XXXX  they would say it was to protect the loan if a soldier was unable to pay. They knew soldiers would need loans and they took advantage of that by giving XXXX XXXX interest rate. They need a lawsuit against them like XXXX. I don't know how this loan company escape without any lawsuit. Because the money us soldiers paid was ridiculous we deserve to get our money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I Sent XXXX Credit Bureaus a dispute that the company WILLIAMS AND FUDGE I with a balance of {$3100.00}. The credit bureaus is reporting false information and reporting accounts that do not belong to me. I sent the company a letter and a copy of my identification card. The letter requested that the item needed to be verified and removed. I also requested they send me the steps on how they confirmed that these accounts were mine. They failed to do so, with only a response that stated the account was verified but failed to provide proof of their investigation to claim so. 606 ( b ) - 15 U.S.C. 1681d states Disclosure on request of nature and scope of the investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is later. 623 ( 9 ) ( b ) ( 1 ) ( E ) ( ii ) - 15 U.S.C. 1681s-2 states, If an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly delete that item of information. I, the consumer, am requesting the immediate removal of this false reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: IA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief