vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: MI

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS STATE OF MI OFFICE CHI Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit 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 2024-07-22 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: NJ

Complaint narrative:
recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of idently theft. I found numerous accounts on my credt report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-07-22 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: FL

Complaint narrative:
I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/year> be removed from my credit report. 1 ) account belonged to XXXX XXXX XXXX XXXX 2 ) was included in bankruptcy and paid off. Account is old but keeps returning to my credit report.Remove account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/year> be removed from my credit report. 1 ) account belonged to XXXX XXXX XXXX XXXX 2 ) was included in bankruptcy and paid off. Account is old but keeps returning to my credit report.Remove account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: MI

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX  Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My loan was sold to Roundpoint mortgage in XXXX and I have made successful monthly payments. My XX/XX/XXXX payment was off by {$.00} due to a typo on my part. I happened to be online for my account to get a payoff amount quote to discover that my XXXX payment was in a suspended account and not applied to my loan. I called to find out what was going on and that the payment had gone through my bank as usual. That is when they told me it was off by {$.00}. They said they had tried to call me on the XXXX day of XXXX, but they are not allowed to leave a message. I can see that a call came in when I looked the number up- it came in as junk. No email was sent to inform me of the discrepancy. I was told they would not do a one time courtesy waive of the late fee which is {$77.00} even though the discrepancy is {$.00}. I was quoted that they are following Fannie Mae investor guideline attempting to collect on the consumer debt. I paid the {$.00} and the {$77.00} late fee and received a one-time email confirmation of payment. My experience with mortgage servicing companies is they are not interested in partnership or relationship. They have an option to do better, but won't. It is the XXXX of XXXX today. Not even 30 days have gone by. I feel they are unnecessarily charging for something that could have been easily rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I opened an account online with my son, XXXX XXXX. Recently, we have been experiencing issues with Bank of America 's online mobile banking. The online access gets locked for no apparent reason. I have called the fraud team multiple times, and while they assist in restoring access, it gets locked again soon after. 

I have contacted the department several times regarding my online access, but no one seems to have an answer as to why this is happening repeatedly throughout the day. I noticed that I received a call from a XXXX phone number. I am not sure if it is associated with Bank of America, but my research on the number yielded no relevant information pertaining to the bank. However, whenever I receive a call from that number, my online access is mysteriously blocked. 

Bank of America has blocked my debit cards and prevented me from accessing the accounts. I am unsure what exactly is going on with Bank of America 's online system or what triggers these lockouts, but it is extremely frustrating. I value my relationship with Bank of America and just want to get this sorted out. I believe this issue requires someone with higher authority to look into it, as the system is not operating correctly and is preventing account holders from accessing their accounts. 

Could someone from the XXXX team or XXXX office please get this under control and find a way to fix it as soon as possible to prevent it from happening again? I log in from the same IP address daily, with any changes occurring only when I switch from my home internet to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe. I do not understand if this would have any effect, as I log in using Face ID on my XXXX. I hope the XXXX XXXX XXXX is secure enough to prevent such issues.

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 2024-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: WA

Complaint narrative:
I received a letter from American Coradius International LLC with my address on a bill purporting to collect a debt from a XXXX account but with someone else 's name on it. I do not owe anything to XXXX. This person or company is applying my address to someone else 's debt. I am sure this is a scam at best and could represent identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
M & T froze my account, so far XXXX  companies have told me that my transactions were turned down. My Credit Cards were not paid, my electric bill was not paid, this has made my life extremely difficult, the money was in the bank, the transactions were legitimate. There was no reason that M & T froze my accounts, there was NO prior notification at all from M & T it has cost me time and money to fix THEIR 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 2024-07-22 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: GA

Complaint narrative:
Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXXXXXX 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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TN

Complaint narrative:
On Friday XX/XX/XXXX {$470.00} was taken out of my daughters Cashapp savings account that was under my name be atse she wasnt over 18 at the time to get one. Her card was looked and the money was took out. From someone I owe. we went to court to file a motion aqaush and to prove the money took was not mine and got a court order for the release of garnishment and the courts said cashapp is holding the money. Ive been calling asking about since XX/XX/XXXX about getting the money back and cashapp support has just been saying they have escalated my case and thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: NJ

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX of XXXX, NJ, regarding an unauthorized credit inquiry and misrepresentation during a recent car purchase attempt. 

On XXXX, XXXX, 2024, I visited XXXX of XXXX, NJ, ( XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) to purchase a vehicle. After selecting a car, the next step was to finalize the financing process. During this process, I inquired whether the dealership would consider taking my used car as a trade-in. The sales representative agreed, and I informed them that I would return with the vehicle and the agreed-upon down payment in cash. 

While I was at the bank to obtain the down payment, I received a call from the sales representative informing me that the car I had selected was already sold XXXX days prior, and they had made an error. I immediately asked if my credit had been run, and the sales representative assured me that it had not. 

However, shortly after this conversation, I received a notification from my bank indicating that my credit had indeed been run without my authorization. I returned to the dealership to request a copy of my credit application. The document I received was only partially completed and did not include my signature, clearly demonstrating that my credit was checked without my final consent. 

I am deeply concerned about this breach of trust and unauthorized action, which has impacted my credit report. I request that the CFPB investigate this matter and ensure that the dealership is held accountable for their actions. 

I appreciate your attention to this issue and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. These account is hurting my ability to obtain credit. THESE ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE AFTER I HAVE LOST MY PURSE WITH MY WALLET IN THERE. I HAVE BEEN DEALING WITH THIS ISSUE TO LONG AND NOW IM AM STARTING THE PROCESS OF CIVIL LITAGATION FOR THESE INACURATE ACCOUNTS BEING REPORTING. 

THESE ARE THE ACCOUNTS 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 15 USC 1681 and 1692 LAW which requires validation of DEBT.under XXXX XXXX XXXX permissible purpose this illegal. I'm demanding for them to stop harassing me and causing me to have mental breakdowns that's effecting my life immediately. 

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I received a call from one of the companies ( XXXX XXXX XXXX ) to obtain more information to process the loan. I explained that I never applied for a loan and they asked for them to cancel the request. I then called the other company ( Prosper ) and explained that I never applied or requested a loan from them. They stated that the loan request was processed through XXXX XXXX ; again I have never requested or created an account with any of these companies.

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 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've asked Transunion to remove & verify with the original source of a bankruptcy being reported on my credit report that was not verified by the original source, which is the XXXX XXXX bankruptcy courts and also to send me proof that they verified this information through the original reporting source and they have not done that to this very day and I've also Submitted complaints and letters for the past four months since XX/XX/year> and to this very date and I have proof of letters that I have submitted to them and got unfavorable response back from them in regards to removing a bankruptcy off of my credit report that's unverifiable.

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 2024-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: OK

Complaint narrative:
I requested a copy of my free annual credit report and there was accounts that didnt belong to me its stopping me from purchasing a home for me and my family its causing me great stress that I cant purchase a home so I contacted my bank for them to freez all my accounts until further notice

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 2024-07-22 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I should not be held responsible for a debt linked to an auto loan account, originally opened with a creditor that subsequently sold the account, resulting in charges for which I neither provided consent nor had any knowledge. 

-The Principle of Consent and Authorization Fundamental to any debt obligation is the principle of consent. For a debt to be legitimately attributed to an individual, there must be clear evidence of their agreement to the loan 's terms and conditions. This typically involves a signed agreement that outlines responsibilities and repayment terms. In this case, there is no signed document evidencing my consent to this debt, fundamentally challenging the legitimacy of the claim. 

-Timeline and Discrepancies The timeline of the debt further complicates its legitimacy. The account was opened on XX/XX/XXXX, and subsequently closed, with the status marked as charged off and an amount of {$8200.00} past due as of XX/XX/XXXX. Despite the account being closed, it reflects a balance of {$8200.00}, updated in XX/XX/XXXX, and the last payment recorded on XX/XX/XXXX. These discrepancies highlight inconsistencies in the account 's management and reporting, raising questions about its accuracy. 

-Lack of Knowledge and Involvement Furthermore, I had no knowledge or involvement with this account. The assertion that I am responsible for a debt I was unaware of until it was charged off is not only unfair but also legally questionable. The Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors provide verification of the debt, which includes evidence of the original agreement signed by the debtor. In the absence of such proof, it is clear that this debt should not be attributed to me. 

-Impact of Unfair Debt Attribution Being wrongly held accountable for this debt has significant repercussions. It affects my creditworthiness, limits my access to future credit opportunities, and imposes undue financial stress. The status of the debt as " charged off '' and the recorded past due amount adversely impact my credit report, despite my lack of involvement with the original creditor or the account 's transactions. 

The principles of consent and authorization, coupled with the inconsistencies and lack of knowledge regarding the debt, underscore why I should not be held responsible for it. The absence of a signed agreement, combined with the discrepancies in the account 's timeline and reporting, clearly indicate that this debt is not legitimately mine. Holding me accountable for it violates both the FDCPA and fundamental principles of fairness and justice. Therefore, the debt should be removed from my credit report, and I should be absolved of any responsibility for it.

Company response to consumer: Closed with explanation