vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Portfolio Recovery is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Portfolio Receovery to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: UPGRADE, INC.
State: GA

Complaint narrative:
Please furnish written proof and documentation of where I was provided assessed a late fee to the account which I never received that precedes and notifies a consumer in-advance prior to a 30 day late being placed on a consumers credit report. I never received nor was assessed with any late fee and or any past due notice from this company. The account is current and was current on as of XX/XX/2022 billing cycle therefore the 30 days late is inaccurate information being reported on my credit bureau file and should therefore be deleted from my credit bureau file. Please remove the late payment or delete the account XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXX Loan # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
XXXX XX/XX/XXXX Bank of America returned my XX/XX/XXXX payment. When I called them, they said the foreclosure process has been started because I have missed 7 payments. When I asked them why I wasn't notified they said the paperwork was returned undeliverable, I live at that property and I receive all other notifications from them. When I asked them what payments I missed, they realized that I only missed XX/XX/XXXX payment and that BofA did not process the payments correctly for XXXX or XXXX XXXX XXXXXXXX. In XXXX I paid {$920.00} they processed {$500.00} and for XXXX I paid {$920.00} and they processed {$0.00}. On XX/XX/XXXX I faxed the bank statements showing they money was deducted from my account and paid to BofA. On XX/XX/XXXX BofA said they needed the money control number from my bank to research the payment. On XX/XX/XXXX I called BofA and told them my bank was researching and it will take a few day to get the info. On XX/XX/XXXX I faxed to BofA the info from my bank. On XX/XX/XXXX I call BofA to see the status and found out they closed my case without researching or contacting me. I was told a new case was being opened and had to refax the paperwork again, I faxed it on XXXX. on XXXX I was told to refax the statements again along with the bill remittance page from my bank and Was to, d that BofA dropped the ball on this case. Faxed info on XXXX. On XX/XX/XXXX I was told they received everything and will be in contact. On XX/XX/XXXX was told to refax paperwork again. Faxed on XX/XX/XXXX. On XX/XX/XXXX was told paperwork is fuzzy and to refax a XXXX time. Faxed it on XX/XX/XXXX. On XX/XX/XXXX was told had to fax the paperwork again because they couldn't read my name on the paperwork. On XXXX was told the case was closed because they never received the paperwork when I manager investigated was told all the paperwork was there and received and was being investigated and another case was opened. As of today this issue is still not resolved. I don't know how foreclosure can be started for 1 missed payment and I was never notified. How can BofA claim that I missed 7 payments when I never did and how could they not process the payments correctly when it's been paid this way for 13 yrs??

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 2023-04-11 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: TX

Complaint narrative:
SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Hello, I am writing to dispute the inaccuracies in my credit report, which have been reported by various creditors and credit reporting agencies. I am seeking your assistance to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

The credit reporting agencies have reported my name and address inaccurately, which violates Section 607 ( b ) of the FCRA. My correct name is XXXX XXXX XXXX XXXX, but the bureaus are reporting it as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. Additionally, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but the bureaus have reported that I have many addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX, XXXX These inaccuracies have negatively impacted my ability to obtain credit and have caused me undue stress and hardship. 

I have disputed these inaccuracies with the credit reporting agencies, but they have failed to investigate or correct the errors, which violates Section 605 ( g ) of the FACTA. I have also been discriminated against under Section 202 of the ECOA, as these inaccuracies may be due to errors in identifying my race, sex, or other personal characteristics. 

This situation has affected my life in a profound way. Due to these errors, I have been denied credit, employment, and housing opportunities. I have experienced significant emotional distress and financial hardship as a result. I am deeply frustrated and concerned about the impact that these inaccuracies will continue to have on my life in the future. 

Therefore, I am requesting that the creditors remove these unverified accounts from my credit report as soon as possible. I would also appreciate any assistance you can provide in enforcing my legal rights under the FCRA, FACTA, and ECOA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 8 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 8 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 8 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Lied to Me About Removing Its Wrong, Late Payment Fee That Stays On My Account : I paid {$100.00} to Capital One, through my XXXX XXXX XXXXXXXX online bill pay service. But Capital One did not quickly post my payment, despite getting it on XX/XX/XXXX. Capital One instead, sat on my payment, as I kept checking my account with them online. So, on XX/XX/XXXX, I called my Capital One Quick Silver Master Card customer service, at XXXX, to see why my payment still wasn't posted. XX/XX/XXXX was the deadline date for my payment, but the female agent I first spoke with, said Capital One had nothing from me, so I should check with my bank about what happened to my payment. My bank assured me my payment was with Capital One. So, I called Capital One again on XX/XX/XXXX, and got a male agent, who said he was checking to see where was my payment. The male agent put me on hold a few times, I heard a child in his background, and the agent finally, told me Capital One had no payment from me. The agent added, Capital One will of course place its late fee on my account, if my payment would not arrive by that day! I got angry, since no honest worker should prematurely speak of late payment fees not yet added! It seemed like the agent already knew Capital One was premeditatively planning its " late '' payment fee! I hung up, found online the name of XXXX XXXX, as Director of Operations for Capital One, and e-mailed him at XXXX. I got no reply to my XX/XX/XXXX email. But as I checked my Capital One account online on XX/XX/XXXX, I saw my {$100.00} finally posted that date, according to Capital One records. And I saw no late fee, and believed Capital One was not going to incur any. I was wrong! I checked online again in early XXXX, and saw their {$25.00} late payment fee! So, I called customer service again, since I read any credit card customer who always pays on time, may easily get a first-time late fee waived, by asking their card 's customer service agents to do so. And as I spoke with a Capital One agent, he said Capital One will remove the late fee. But that was a lie! The late fee remains on my account, as no one replies to my XX/XX/XXXX email to XXXX, nor honors what one agent claimed about waiving that fee! Capital One 's monthly written statements say I could pay my debt within 3 years, by sending {$70.00} every month. So, I send {$100.00}, as I try to get out of their debt a little sooner. But Capital One wants to keep me indebted for longer, by imposing their bogus " late '' payment fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX XX/XX/2022, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by various creditors and credit bureaus. I have reviewed my credit report and found that my correct name is XXXX XXXX but it has been reported as XXXX XXXX XXXX. Additionally, there are multiple addresses listed on my credit report that are not accurate. My current address is XXXX XXXX XXXX XXXX, LA XXXX, but I have found that other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been associated with my credit report. 

These errors have caused me significant emotional distress and have adversely affected my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report, which has caused me to feel frustrated and hopeless. 

I believe that the creditors and credit bureaus have violated several laws, including the FCRA and FACTA. Section 607 of the FCRA requires credit bureaus to report only accurate information and section 610 requires that consumers be notified of any adverse actions taken based on information in their credit report. The fact that my name is being reported inaccurately and that I have been denied credit without being notified of the reasons may be violations of these sections.

Similarly, section 312 of FACTA requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that my name and address information is being reported inaccurately may be a violation of this section. Additionally, section 216 requires creditors and debt collectors to properly dispose of sensitive consumer information. If the credit bureaus or the creditors who provided them with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

I am requesting that the credit bureaus remove the unverified accounts from my credit report and take the necessary steps to ensure that accurate information is reported moving forward. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
SEE ATTACHMENTS

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 2023-04-11 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: TX

Complaint narrative:
There was an account opened with XXXX XXXX XXXX in my name without my knowledge over the internet in XX/XX/XXXX I realized its existence upon receiving notice of it from looking into my credit report. Additionally, I received notice in XXXX that XXXX would no longer collect on/report this debt in order to resolve a lawsuit where they were found to have engaged in illegal and deceptive tactics and for violating fair lending and reporting regulations and that all debts have been forgiven, and late/charge off reporting would be removed from my credit reports. I have attempted to reach out to gain more information about this debt or to settle any issues via telephone communication, email, and mailed letters to the contact information available on my credit reports. However, all of the contact information that this debtor has provided to credit reporting agencies is inaccurate. Telephone calls do not go through, emails bounce back and mail receives no response. As this debt is a charge-off and XXXX has already been compensated by charging the debt off, I would like to ask for its removal. It is important as I am trying to gain my dream career and this information on my credit prevents me from qualifying for this career. Additionally, I hope to secure housing for myself but have been unable to do so because of this charge-off. If XXXX, XXXX ( DBA XXXX ) can not provide an adequate response to any of the aforementioned information, I would like to respectfully ask that they remove this collection account and any tradelines associated with it from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Comenity BankXXXXXXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Comenity BankXXXX  to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )

Company response to consumer: Closed with non-monetary relief