vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX account # XXXX. Also, I have noticed they have sold my account to a collections agency without giving me a notice, By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. Please investigate and provide proof with statements showing that these payments were late and to provide proof that they sent me a debt validation letter within 5 days of the collectors initial attempt to contact me. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late or remove this account from my consumers report, Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
It is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-06-29 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 — Investigation took more than 30 days
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
800 Loanmart is company that i do not know ... this account started in XX/XX/2022 affecting my credit score .. and they can not proff this account as mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion will not provide a credit report via the online request without a cell phone number. Thru the FTC website, I tried to request a copy of my credit report from TransUnion on XX/XX/2023. They already had my landline number but the online request form requested a cell phone number, which I did not fill in. There was no indication on the form that cell # was required, but when I tried to go to next step, message came up that I had to provide a cell number. Didn't see a phone number for TransUnion that I could call to resolve this problem.

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 2023-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
On XX/XX/2019 I entered into an agreement with Vanderbilt Mortgage and Finance , Inc. at XXXX XXXX in XXXX Texas with XXXX from XXXX XXXX XXXX. She nor VMF clearly and conspicously, explained my right to rescission. I have recently discovered other misrepresentations in the agreement which render it void. VMF customer service continues to ignore my requests for information, even so much as refusing to sign for a XXXX letter I 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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, around early XXXX of this year XXXX  there was an unauthorized transaction done for {$810.00} to the merchant XXXX  which i did not authorize. I did not know about it until i tried to use my debit card and my transaction was getting declined. Thats when i went and checked my account and seen the unauthorized transaction. I tried to submit a claim via the app which i am not very good at using but eventually a claim was submitted not knowing if i did it correctly or not. Either way i called a few days later to follow up about the claim and was told i needed to fax in a letter explaining the unauthorized transaction so they can move forward with the claim which I submitted right away. Ever since i have not heard anything back and no provisional credit has been given and this has really caused a huge financial burden for me. When i call i get no help or update and just keep getting forwarded to the answering machine. Its almost 2 months now without my money and i feel like bank of America isnt really doing anything to recover my money or at least provide me with a temporary solution/credit in the mean time and we are talking about {$810.00}. That was my rent money. Please help in possibly expediting a resolution to this please. I appreciate the help! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.o. box XXXX XXXX sc XXXX XXXX {$450.00} balance XXXX XXXX collection account added to 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 non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I spoke with a representative of MIDLAND CREDIT MANAGEMENT who called my phone several times. As I wasn't aware of the number I didn't respond initially. After several repeated calls during the week. I finally answered assuming the matter was likely important. 

After speaking with the representative. I realized she had little to no information in regard to the debt she specifically claimed I owed. My issue is with the communication. When ask where the credit came from. She fumbled, had no information to provide me. She then placed me on brief hold and returned to inform me that the debt came from XXXX XXXX. 

The representative was completely unprepared to discuss any of the information she claimed to have in front of her. There was a major lack in professionalism. I continued to inform the representative that the debt was in fact paid to XXXX XXXX yet she insisted it hadn't and when asked what information she had. She was unable to provide it to me. 

What perplexed me even more was she had no record of the amount owed. I had to ask her several times as she fiddled around with her papers before she could give me a final amount. I then proceeded to inform her that I would need to check back with XXXX  XXXX and I would get back with MIDLAND CREDIT MANAGEMENT. She informed me to get back with her as soon as possible as this could " negatively effect my credit ''. 

Unfortunately, 48 hours later. The debt collection showed up on my credit report without notice. I would like it removed by MIDLAND CREDIT MANAGEMENT. I honestly do not have a problem paying the bill, but when a representative is ill informed and provides little to no information in regard to the debt she's attempting to collect. I find that highly unprofessional and somewhat disturbing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC
State: IL

Complaint narrative:
In XX/XX/2023, I was contacted by a collector from a company called Frontline Asset Strategies who identified himself as " XXXX XXXX '' Collections Supervisor, who alleged I owed XXXX the amount of {$530.00}. I have no account with XXXX and I attempted to explain this to XXXX XXXX. He then demanded that I pay the full amount, which I disagree. 

On XX/XX/2023, I sent a letter requesting information and validation of the amount Frontline Asset Strategies is attempting to collect on. A copy of my letter and proof of USPS delivery information is attached. As of this date, I have yet to receive anything from this collection agency. 

On XX/XX/2023, I sent a follow up letter to Frontline Asset Strategies because I had not heard or received any of the requested information in my previous letter. My second letter for validation of the debt was received by the collection agency on XX/XX/2023, proof of USPS delivery information is attached. 

This collection agency made the decision to include this debt on my XXXX XXXX, XXXX and XXXX credit reports, without proof that I owe this debt to XXXX. This is very distressing and because of their inability to follow the Fair Debt Collection Practices Act, it has impaired my credit rating. 

I am seeking the assistance of the CFPB to get this collection agency to follow the law. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Fraudulent transactions were charged on my debit card ending in XXXX. Two different rental car merchants, also international fees as well. I work 6 days a week in XXXX VA with XXXX XXXX XXXX, and I own a vehicle. After the international transaction, I reported my card with the fraud department of Bank of America. I was in the process of waiting for a new card, 12 days or so later, another transaction from a car rental charged my compromised card, XXXX XXXX and left me in the negative for over 2 weeks, in the midst of me waiting for a new card to arrive at my home. I contacted the merchant, and the merchant claimed, I did this transaction over the phone. Bank of America claims, I have a signed contract with this merchant. I requested for all paperwork to be mailed to my home as I am presently waiting for. Contradiction number 1. I had direct deposit with BofA and it took me out the minus while still waiting for them to come to a decision about giving me my money back. I went to the bank personally and sat with my banker, XXXX XXXX over an hour, about every fraudulent transaction, which she was my banking online did not match whats on my compromised card. Contradiction number 2. How can my bank still let a merchant get into my account through a compromised card, without overdraft protection which left me XXXX in the minus for over 2 weeks? After opening the claim, which had been open over a month without credit, nor a real explanation why, leaves me to believe, this is an inside job, with someone who works with BofA that has direct contact with this fraudulent merchant. Why I say this, is because, after a month later, not even 3 days ago, the same merchant went into my account again, and minused me another XXXX . How, when I am two debit cards later after this compromised card, had been reported, and not only is my XXXX dollars missing, but now Im minus again at XXXX XXXX? Im tired, Im stressed and it is causing me a hardship for reporting to my job. I need help, can someone help me? Im going to the police to file a report on the bank as well as the merchant. Ive been banking with this bank for over 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've contacted TransUnion several requesting proof per the FCRA guidelines that this debt is indeed mine. XXXX continues to fail at providing proof.

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 2023-06-29 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: EQUIFAX, INC.
State: FL

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. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: FL

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. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND CREATE FTC.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 I attempted to purchase clothes from a merchant on XXXX. It turned out to be a scam. Not the merchant being represented on XXXX  page. On the same date : I immediately attempted to cancel order, I then called Elan Financial Services to block purchase and cancel credit card. I was told a provisional credit was issued. Elan sent inquiry form, which I filled out and returned. I then received a letter dated XX/XX/2023 stating that my dispute was denied because I had not contacted the merchant. On XX/XX/2023, I called and spoke to a supervisor, who said the account specialist would call witihin 24 hours. No call was received. I sent a letter detailing what I had did and stating that no goods were received ( per e-mail from merchant, goods were delivered to XXXX on XX/XX/2023. ) I again requested to hear from the account representative, and asking for support for Elan 's decision. I followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX, again asking to speak to dispute representative. Both times receiving promises of a follow-up phone call. On XX/XX/XXXX, I received a second letter from Elan stating the dispute was closed out and the charge would stay on my bill. I sent a second letter, more detailed, and demanding a response to my attempts to resolve this. No response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief