vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have an auto loan with Bank of America and I have enrolled in the automatic payment plan. I mailed in a principal payment to Bank of America that explicitly states XXXX additional principal, which was received on XXXX. The payment was applied instead to the monthly payment and the remainder to principal. I then mailed an additional principal payment for XXXX which was received on XX/XX/XXXX. The payment was applied instead to the monthly payment and the remainder to principal. 

I called Bank of America on XXXX to inquire why this was applied despite knowing that I'm on an automatic payment plan and they explained that this is the default way that payments are applied in their system. In other words, the explicitly misapply principal payments in the hopes that this is not caught by consumers. I waited several business days and didn't see it resolved. Today, XX/XX/XXXX, I called again and was told that it was not corrected but it will be. When I asked for a full transaction list of all activity on my account, I was told that I would have to call back later once these corrections are there to see all the change. 

This is highly unethical and should be illegal. When a customer sends a principal payment, it should be applied as requested. I am surprised that this is not a full on lawsuit to protect consumers of what is a systemic misapplication of customer funds.

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 2024-08-14 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Complaint against LVNV Funding LLC and Experian Inaccurate Collection Account on Credit Report I am filing this complaint regarding an inaccurate collection account reported by LVNV Funding LLC on my XXXX credit report ( Account Number : XXXX ). 



1. **Failure to Investigate ( FCRA Section 1681s-2 ( b ) ) : ** LVNV Funding LLC failed to conduct a reasonable investigation after the account was disputed as inaccurate and removed from my credit report years ago. Despite providing evidence, the account remains on the credit report as a collection.

2. **False Representation ( FDCPA Section 1692e ) : ** LVNV continues to report this debt as belonging to me, which is false and misleading. As they are debt buyers and have purchased the debt to which I have proven i am not party to.

3. **Unfair Practices ( FDCPA Section 1692f ) : ** Reporting incorrect information to damage my creditworthiness constitutes unfair and unconscionable practices and I have suffered damages because of the violations. I demand restitution.

4. **Dispute Handling ( FCRA Section 1681i ) : ** Experian has not properly handled the dispute by failing to remove the inaccurate information after already removing it before as it was identified as identity theft.

5. **Inaccurate Reporting ( FCRA Section 1681s-2 ( a ) ) : ** LVNV is furnishing information they know, or should know, is inaccurate or incomplete.

6. **Harassment ( FDCPA Section 1692d ) : ** The continued false reporting contributes to harassment and abuse. My consumer rights are being violated with the defamation taking place.

7. **Improper Access ( FCRA Section 1681b ) : ** LVNV lacks a permissible purpose for accessing my credit report as a third party interloper.

Immediate removal of the inaccurate collection account from my credit report and confirmation of this action. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing this complaint because Capital One has refused to remove a charged-off credit card account from my credit report, which is the result of identity theft. I did not open or authorize this account, and the charges associated with it are fraudulent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I provided Capital One with an Identity Theft Affidavit and can provide any other supporting documentation to demonstrate that this account is fraudulent. Despite fulfilling my obligations under the FCRA to report this identity theft, Capital One continues to validate and report the fraudulent account as a valid debt, severely impacting my credit score and financial standing. I have repeatedly requested that Capital One provide documentation or an explanation regarding how they have validated this debt in light of the identity theft evidence I have provided. To date, they have not complied with these requests. I am seeking the immediate removal of this account from my credit report in accordance with FCRA provisions and request that Capital One provide all documents they have used to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was looking at my credit when I noticed a Capital One credit card opened XXXXXXXX XXXX XXXX  on if and I have never owned this Credit Card. I am a victim of Identity Theft and this has resulted in harm to my credit and has made it hard for me to apply for my own credit cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The Company states i owe credit card balance from a Credit Card I DID NOT apply for. I report this as Identity Theft. The Company was asked to send me proof of my signature of the application and did not send any information to support the accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: CA

Complaint narrative:
I reported a fraudulent usage of my card to discover card, they initially cancelled the then present card and issued me a new card, also returned all reported fraudulent charges. About 6 months later they returned those charges on my new card without any explanation. I called discovery many times to report this issue and also to complain about their findings, to no avail, rather i was asked to set up a payment plan. At this point, the account has been charged off and reported to the credit agencies. I have called and asked for this report to be deleted and reaccessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
The CFPB claims that " We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions. '' You claim to protect me from unfair, deceptive, or abusive practices and take action against companies that break the law. 
On 3 different occasions I have reached out informing you that the 3 credit bureaus are trampling over my rights and has repeatedly and continues to report inaccurate and incomplete information on my credit profile for the following account. 

Company : XXXX XXXX Account # XXXX. On XX/XX/XXXX I file a complaint with all 3 credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. On XX/XX/XXXX I file a complaint with all 3 credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. Why do you continue to let the credit bureaus break the law? I have attached 3 inconsistent credit reports from XXXX, Trans Union, and XXXX showing the inaccurate reporting. Please note that Trans Union was reporting a 30 day late from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX reports a 30 day late, XX/XX/XXXX a 60 day late, XX/XX/XXXX a 90 day late and XXXX reported a charge off. Now it has been so called updated and display ok for XX/XX/XXXX and 30 days late from XX/XX/XXXX through XXXX XXXX day late in XXXX of XXXX and charged off in XXXX of XXXX. Throughout the report an X has been placed indicating that the payment status is unknown. Again, this creditor is required by law to disclose 100 % complete and accurate information. If the creditor has admitted that they are reporting unknown information, how can they say that this report has been 100 % verified? Attached is the Transunion report obtained from Annual Credit Report showing the incomplete and inaccurate 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 non-monetary relief
Consumer complaint received 2024-08-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
What happened : On XX/XX/2024, I sent formal Cease Communication Requests to XXXX XXXX regarding two accounts : one with a balance of {$8500.00} ( Account ending in XXXX ) and another with a balance of {$1700.00} ( Account ending in XXXX ). These requests were made under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), instructing American Express to cease all communications with me regarding these debts. Additionally, I requested that they correct the inaccurate information they were reporting on my credit reports. 

Despite these formal requests, American Express continued to communicate with me about these debts. On XX/XX/2024, I received further correspondence from American Express, in which they failed to address my requests and continued to report the accounts as " charged off '' without resolving the underlying issues. This ongoing reporting of incorrect information is causing significant harm to my credit score and financial standing. 

The incorrect information related to these debts remains on my credit reports, showing misleading details such as inaccurate " potentially negative months '' and incorrect statuses. These errors need to be corrected immediately to reflect the true status of these accounts. Furthermore, the accounts should be automatically removed from my credit reports at the appropriate time, in compliance with the Fair Credit Reporting Act ( FCRA ), which stipulates that such information should not remain on a credit report beyond XXXX years from the date of the first delinquency. 

This situation has caused significant stress and financial harm, and I am seeking immediate correction of these errors and appropriate compensation for the damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
I am a victim of identity theft and have requested for Inaccurate personal information from my file to be deleted per Fair Credit Reporting Act within law provided timeframe and credit reporting agency have not respond to the dispute of the personal information as they only sent a letter advising of my rights but did not provide investigation evidence of disputed information which included personal information. 

Please delete inaccurate personal information from file as requested : Address 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 non-monetary relief
Consumer complaint received 2024-08-13 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: IL

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 Collection management acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 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. 






d

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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WEALTHFRONT CORPORATION
State: OH

Complaint narrative:
My wife is an XXXX  from XXXX. I've had an account with Wealthfront for a year or so now and wanted to open a joint account with her, so we had to wait for her social security number to come through and for her visa to be approved. Once approved we started to open the account, and sent a picture of her permanent resident card with the letter attached to it showing the correct address, submitted a social security card with the letter with correct address attached to it, and have submitted a letter from her bank account with XXXX that shows her correct address on it, they are refusing to open the account and claim they can not open it unless I send them a copy of her bank statement showing the address. 

I feel they are discriminating because she is an XXXX, I've never seen any company let alone a bank refuse to verify someone's address with copies of literal federal documents, and a letter from her bank. I'm working on getting a copy of her statement to submit, but this is insanity. 

These are their requirements : XXXX ( Wealthfront Support ) XX/XX/year>, XXXX PDT Hi XXXX, Thanks for the email. You'll need to provide one of the below for address verification. 

Acceptable Address Verification Documents These can not be older than 3 months, must include dates, and must not be redacted : Residential utility bill Bank account statement Employers pay stub Insurance documentation Phone bill Mortgage statements The prior documents you've uploaded are not accepted documents for the address verification. 

She has no bills bc she has had no social, has no full time job, so can't provide a stub, has no insurance, so can't provide that, has no mortgage, so can't provide that, she could possibly get her phone bill, but it is paid yearly through XXXX XXXX. so the only option is a bank statement. 
This process leaves XXXX  with very few options to verify and open bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
I have bankruptcy listed on my credit report and XXXX XXXX confirmed they do not verify this Information. They can not verify or confirm the Bankruptcy. The only place that can confirm is the courthouse and I did not provide consent. With that, all records indicating Bankruptcy via my credit report with all credit agencies must 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 2024-08-13 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-08-13 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief