vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST on XX/XX/XXXX I received a email saying I own them money from a property I lived 3 years ago and left with a lease termination. due to un live-able conditions. 
the property was sold off to a new company and now the new company is trying to collect the amounts for the rent if I lived there but my lease was terminated and keys surrender over 3 years ago. 

the debt collector refuses to provide the lease, the termination paperwork or anything to prove the debt and just non stop calls and treats against me for not paying this. 

I asked many times for the lease and they are saying they don't have to provide that to me and after I got a hold of the supervisor he was no help and told me NO. then said mail us a letter asking for it. 


I sent them a email back with this. 


I am writing in response to your repeated attempts to collect a debt from me. While I understand your obligation to collect debts on behalf of your client, I must insist that you provide me with legitimate proof of the debt that you claim I owe. 

I have received several notices from you, but none of them have provided any real evidence of the debt in question. Therefore, I am requesting that you cease all attempts to contact me until you can provide valid proof of the debt. 

Please note that your failure to provide legitimate evidence of the debt will be considered a violation of the Fair Debt Collection Practices Act, and I will be forced to take appropriate legal action to protect my rights. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15usc 1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end and consumer plan as late for any purpose. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, Please see attached letter, drivers license, social security card. 

You need to add the rental tradeline onto my Equifax credit report. 

The rental tradeline company is also copied on this complaint to help assist if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The Original creditor XXXX XXXXXXXX XXXX XXXX sold this debt to XXXX XXXX and then they sold the dept to Portfolio Recovery Associates llc. XX/XX/2023 the debt was paid through court in a Demand by XXXX XXXX XXXX attorney at law to XXXX in the amount of {$5000.00} the full amount paid. 
Portfolio Recovery Associates is currently refusing to accept the debt has been paid in full for over a year now and continues to slander my credit. I have made several attempts to provide proof that this debt is paid. I have for a year now attempted to communicate this issue with Portfolio Recovery LLC with no success. I have provided the court case number as well as the attorney 's office who handled the debt. Portfolio Recovery continues to attempt to collect a debt that is paid in full. As a result, I have been denied credit, housing and have had a lower credit score which is preventing me from achieving success in my career and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: 950 Credit Inc
State: FL

Complaint narrative:
XXXX, Please see attached letter, drivers license, social security card. 

You need to add the rental tradeline onto my XXXX credit report. 

The rental tradeline company is also copied on this complaint to help assist if needed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for Business Unlimited card with Bank of America and I called in they told me wait on mail well once I got the mail I sent the documents that they requested and I waited and waited never heard anything back so I called XX/XX/XXXX and I spoke with XXXX in the business department and she told me I had been approved congratulations. Well when I woke up the next day I had an email from Bank of America saying I was not approved so I called to see what happened from one day to another and the supervisor rep told me that he couldnt say why look online and check application so I checked online and I noticed the decision date was the same day I called so someone manually took my approval away that day. So I waited over the weekend and left a bad review on XXXX for giving false information. I received a called from Bank of America XX/XX/XXXX and the rep told me she was going to file a complaint on behalf because she understands and I have a right to be upset and she said I would speak to a Credit Analysis and go over my application and see what can be done. When I was connected with them they said they could not find my application # or see one so they connected with merchant services for no absolute reason and merchant connected me with the personal dept and somehow they say hey XXXX youve been approved for {$500.00} card will arrive in 5-7 days and its just Really fishy how I never applied for a Personal card I initially applied for business card and there was no record of it until I spoke with a Personal relationship manager on the phone who somehow anonymously had my reference # for the business account and I actually think this is Discrimination and someone manually denied my application after I was approved and now that I pushed the issue they tried routing it to personal to just try to push something on me so I leave it alone but thats not the issue I will be retaining a Lawyer and suing Bank of America XXXX Someone needs to contact me immediately and help me with my Discrimination 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 2023-02-21 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: OH

Complaint narrative:
I purchase a car XX/XX/2021 from XXXX XXXX XXXX in XXXX ohio through Credit Acceptance. XX/XX/2021 i was at work and my co worker came and grabbed me and said my car was on fire which it started through the radio, i began contacting XXXX XXXXXXXX XXXX  i talked to a manager who was extremely rude and hung up on me and said that wasnt his problem i dont owe finance company and not him. I then contacted XXXX XXXX They Told Me There was nothing they could do about it but put me on a payment plan. I then contacted the warranty company and tried to see if they could help, the warranty company told me i didnt have the car long enough or use up a certain mileage for it to be covered but i was charged an extra {$2000.00} for a warranty not to even work when needed. I Continued to pay the car note until i couldnt any more i still have bills and had to now pay for transportation all over again. I understand i did not have insurance at the time but i was young and so ready to jump into something i really didnt know about and i feel as if they seen me and took advantage of that but now that i am properly aware of my rights i will not continue to let this happen. I then went and purchase a new car and learned that i was double financed when purchasing the car and unaware so when trying to actually purchase a car the correct way was very complicated due to my credit dropping consistently. I then contacted XXXX and got an inspection on the car and they said the only thing they could find was a usb cord so i was at fault and needed to contact my insurance company. I Did have my charger in the car but it was not plugged up and i have images to prove that and even if it was plugged in the car does not give power with out the car being started so i couldnt possibly be at fault. 
I was over charged for a used car Warranty didnt cover No insurance coverage Caught on fire Double finessed Paid down payment not included in finessed agreement Did not receive cash in hand or form of check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is being filed against Experian. 

Experian generated me with results XX/XX/2023 report number XXXX for account XXXX XXXX XXXX . Experians results were REMAINS and that the company that reported the information has certified to experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

As I look over my updated report that was included with my results this account is reporting a INCOMPLETE Balance, Balance Updated and Recent Payment. The Payment History is also Inaccurate. In additon, there is NO NOTICE THAT THIS ACCOUNT HAS BEEN DISPUTED BY THE CONSUMER in the comments to support experians certified as accurate results. How is it possible for Experian to generate me with certified as accurate results from the company without communicating with the creditor? 

XX/XX/2023 I sent XXXX XXXX a direct letter to there mailing address on my consumer report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX tracking XXXX and XXXX received my letter on XX/XX/2023. I have not heard any response from there company yet. 

According to 605. 15 U.S.Code 1681c ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency SHALL indicate that fact in each consumer report that includes the disputed information.

According to 623. 15 U.S.Code 1681s-2 ( a ) ( 3 ) DUTY to provide notice of dispute. If the completeness or accuracy of any information furnished by any person XXXX consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

The certified as accurate results are in fact INACCURATE and INCOMPLETE and do NOT follow FCRA guideline requirements. Experian had two choice to either delete the item of information or modify the item of information. Experian simply could not modify the information instead they include a report that has incomplete data reporting and no notice that this account has been disputed by the consumer, therefore this item at question should have been deleted. I believe Experian is verifying information by going to other third party consumer reporting agencies instead of following proper procedures by going directly to the creditor for verification, becasue if the company did in fact certify information was accurate with experian then a notice would have been included by the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have talk to the consumer with no luck also talk to credit report I have taken care of all they wanted but yet to change my report also they are wrong only one of the reporting place have this other have no record of problem trying to buy a house need this resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America Claims department told me to contact VISA because there is no way for them to handle it anymore. 
BOFA fraud claim IDs XXXX. Claim ID : XXXX XXXX. Claim ID : XXXX I've contacted each merchant, they told me to contact VISA directly with addendum to BOFA on the CFPB to get my refund from the 2 claims. 
I was out of the country when the fraud took place, there was no way for me to contact either BOFA or VISA to stop the multiple fraud from happening. I was in XXXX, due to COVID I couldn't get back or go to an embassy. I wasn't even aware my card was stolen and used. I provided both TSA proof, XXXX  proof, and XXXX XXXX XXXX ticket to prove I was out of the country, TSA stated that it was a white figure who stole my wallet at TSA Terminal 1 when I was leaving the United States, and XXXX proof that they did all they can but could not recover the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I contacted the debt collector on XXXX to request a verification of debt letter by a supervisor ID # XXXX XXXX. I was told she was not able to send one as IC Systems did not own the debt they were trying to collect on. I was told they could only send me a balance statement in regards to the debt. I made clear that I have not received any correspondents via USPS and was only mad aware of the debt when I ran a credit report.

I made multiple request for a letter to verify the debt and was told it would not be sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, I went to deposit money into my Wells Fargo account via the ATM. The deposit function was unavailable at the moment I went to the ATM. When I left, I forgot to end my session and drove off with my debit card. The person behind me withdrew {$1000.00} from my account and I immediately received a text message alert to my phone that my account was negative. I called the ATM Claims and they said there was no crime committed, that on their end, they say this was an authorized transaction and this was not authorized. I did not give permission to nobody to use my debit or withdraw money from my account. They did refer me to the actual bank to obtain surveillance video, but the bank has not cooperated or provided me a refund of that money. The bank and the city police department have not given me any updates as of today. I have personally written to them via email and still no response. The bank will not even answer my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under ( 15 ) USC 1681 Account name : # has violated my rights ( 15 ) U.S.C 1681 SECTIOM 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 WRRITTEN 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 convictions of crimes which antedates the report by more than 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 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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of a late payment for my apple credit card, I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place i would like to make a police report inregards to the fraud call made on behalf of apple credit card services which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it dont happen again I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you take the late payment off my apple credit card histoy and make a adjustment to remove the late payment for the month of XXXX and XXXX due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have finacially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. Thank you for your consideration, and I hope you'll approve my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Fraudulent activity on checking account, XXXX stolen from account. Bank denies claim stating that activity was not an aggressive activity.

Company response to consumer: Closed with monetary relief