vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Credit Application Denial for Application No. : XXXX Dear Sir or Madam, I am writing to formally dispute the denial of my credit application, which was communicated to me in your letter dated XX/XX/year>. The reasons for denial referenced several factors related to my personal credit history, including my credit score.

As a secured party creditor, I hold a valid UCC-1 filing that secures my assets, and therefore, I do not require traditional credit financing based on personal credit scores. Your reliance on my personal credit history in this decision-making process is irrelevant and inappropriate, given that I am not dependent on external funding to meet my financial obligations. Any assumptions regarding my personal credit history should not have been applied to this transaction. 
In addition, I believe that Bank of Americas decision may violate the Uniform Commercial Codes standards of good faith and fair dealing, specifically UCC 1-201 ( b ) ( 20 ), by relying solely on presumptive credit factors without considering my status as a secured creditor. I request that you reconsider this application in light of my secured position and without relying on my personal credit score. 
Please also consider this letter as a formal demand to reevaluate your decision and provide further clarification on the reasoning behind the credit denial. If necessary, I reserve the right to challenge any incorrect information that may have been reported to the consumer credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this letter and advise on the next steps regarding this matter. I expect a reconsideration based on the above information and a prompt response. 
Sincerely, 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 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
Dear LVNV FUNDING LLC ; Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : XXXX. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
XXXX. The legal basis for collecting this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. A full account history, including all related charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was granted a XXXX XXXX dismissal and I paid XXXX cash to settle ALL my accounts which every single one was zero'ed put on all my credit reports except XXXX with citibank ( XXXX XXXX now for XXXX ). I have been diagnosed with XXXX in both hips and can no longer do hospitality after XXXX years per my team of doctors. This XXXX XXXX XXXXXXXX was the result of being left destitute after my marriage of XXXX years, and I am slowly still rebuilding XXXX years later. Please help me put this debt where it belongs which is within my XXXX XXXX XXXX  from XXXX of XXXX as I have an outstanding credit record for decades before that marriage as I funded his dreams which I had to learn the hard way to NEVER do again : ( Thank you in advance for your kindness and help with this matter. God bless 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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in ( 8 MONTHS ) to be removed.

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. 

( XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-10-04 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This letter serves as a direct and final demand for you to immediately cease reporting any and all information regarding the collection account youve placed on my credit report. You are in blatant violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), which specifically prohibits debt collectors from communicating false, misleading, or deceptive information to third partiesincluding credit reporting agencies.

Let me make something abundantly clear : furnishing information to credit bureaus is absolutely a form of collection activity. By continuing to report this account, you are intentionally using credit reporting as a weapon to pressure me into paying a debt, which is underhanded and deceptive. Youre not fooling anyone by disguising this as anything elseits nothing more than an attempt to extort payment by damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently was made aware of a collections in my name when applying to rent an apartment. The collection states the date opened was XX/XX/XXXX yet I only found out recently on XX/XX/XXXX when the rental property sent me my screening reports. The collections is from an old gym membership that had been cancelled in person many months prior to the date opened on my account. I had not been made aware that they were still attempting to charge me, or that my membership was still considered active. My debit card was deactivated shortly after cancelling my membership due to theft which I assume is why the payments did not go through. I was not made aware of any issues until my screening report results a little over a month ago.

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 2024-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Acct : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX Please add this statement to my credit report. 

We entered into the loss mitigation process with XXXX Mortgage in XX/XX/XXXX. They didn't complete it until XX/XX/XXXX. During this time we called every month to check the status and we were told not to make a payment until the process was complete or we'd have to start all over. Once the process was complete, we entered into a payment agreement in which we never missed a payment. Then, we sold the house in XX/XX/XXXX. Now they are reporting that we were 30 days late from XX/XX/XXXX through XX/XX/XXXX. This is not correct.

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 2024-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I pulled my credit report and saw that there was a reporting on my collections from CREDENCE RESOURCE MANAGEMENT Account # XXXX I have never done business with them so I disputed it twice over the phone and through a letter. I asked for all documentation proving Ive done business with them. They sent me back a statement. A statement is not proof of will of authority to collect. This company does not have will to collect. I ask that CREDENCE RESOURCE MANAGEMENT removes this debt from all three of my consumer reports ( XXXX, XXXX, and XXXX. As well as send me an updated letter that all debt has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I have an issue repaying a loan and I am trying to consolidate my debt and would eventually pay it. On their web portal, there is no way to change the Autopay option and it is constantly overdrawing my account at the bank. They have been calling my son and wife who have no knowledge about my loan. They identify themselves and that they are from Tower Loan and that I should urgent cal them. Just by their identification, my son assumes the nature of the call. I have told them that I am trying to work iy out and cease and desist from call anybody other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX  XXXX  I reserved a room through the Capital One XXXX XXXX  at the XXXX XXXX XXXX. Upon receiving my confirmation email I felt confident in my booking. 

At approximately XXXX XXXX  XXXX, I went to check in to the hotel. The desk attendant informed me that the hotel had been oversold and attributed it to XXXX XXXX  software not accurately checking occupancy. I immediately called Capital One customer service to see if they could intercede. 

I spoke to a customer service agent who confirmed that the hotel was overbooked. I asked them to find me another room, and they indicated that they were unable to do so. They initially blamed a problem with their IT system and physical location ( in the XXXX XXXX XXXX ) ; they said that because it was already XX/XX/XXXX in the XXXX XXXX XXXX they were unable to make bookings on XX/XX/XXXX. If true this would seem to render bookings XXXX  of the XXXX  at least partially unbookable every day. 

I explained to the agent that due to their failure I, my wife, and our XXXX small children were essentially stranded in XXXX. A cursory review of multiple booking platforms showed that nearly all rooms in XXXX were booked for the evening due to an event and a weather event in XXXX. The cheapest available hotel room was at the XXXX XXXX for over {$800.00}. I asked repeatedly to escalate and was told my case could not be escalated further. 

Capital one gave me a {$150.00} travel voucher as compensation. This was utterly insufficient to cover the cost of replacement lodging if we could find it. My wife called and spoke with a different customer service agent who also refused to help us with booking. They offered my wife an additional {$100.00} travel credit. 

Ultimately I was able to book an XXXX at XXXX XXXX  XXXX  thanks to the heroic efforts of a host who bypassed the automatic booking deadline in the XXXX system. That booking cost me {$480.00} ; the {$250.00} travel credits were not applied to this booking and were wholly insufficient to cover the cost I incurred thanks to XXXX XXXX  negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving 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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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