vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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: PA

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. 

Account name : 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 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.

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 2024-02-09 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to any XXXX party company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to any XXXX party company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: NY

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: MA

Complaint narrative:
please see attached file

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. Credit acceptance has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.

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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the prompt issuance of the remaining balance check of {$170000.00} USD from Bank of America ( BOA ) for a closed account. 
Account info, name of the business : XXXX XXXX XXXX Account number XXXX XXXX : XXXX This account had been receiving customer payments in succession by the end of XX/XX/XXXX. During this period, the account was temporarily restricted by BOA 's risk management department. However, after providing the necessary customer information, including names, email addresses, and phone numbers, the risk assessment was completed satisfactorily, and the account was returned to an operational status. 

Subsequently, a change of ownership for the company was processed, transferring from XXXX XXXX to myself, XXXX XXXX. In XX/XX/XXXX, I received a letter from BOA indicating the closure of the account. Then, in XX/XX/XXXX, a check for {$110000.00} USD was issued to the company, but the subsequent amount of {$170000.00} USD remains unpaid. 

The handling of this matter by BOA has been highly unprofessional for several reasons : The account funds had already been verified by BOA 's risk control, with all necessary customer information provided. Despite this, BOA has continuously claimed that the account requires additional investigation, refusing to accept further customer payment contracts and invoices as additional proof. 
The delay in receiving the final payment is excessive. Since being notified of the account closure in XX/XX/XXXX, the remaining balance has not been received as of XX/XX/XXXX. 
Enclosed are the final statement and notice from BOA pertaining to this matter. I urge the Consumer Financial Protection Bureau to intervene and facilitate the expedited resolution of this issue, ensuring that the remaining balance owed to me is promptly settled. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-02-09 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: GA

Complaint narrative:
On XX/XX/23 I exited my rental lease early at the apartment property ( XXXX XXXX XXXX ) a XXXX XXXX XXXX in XXXX XXXX, due to an extremely bad experience, vandalism, apartment conditions etc. A short while after moving out I received a bill for certain charges. Two of the main charges were for the carpet which was only in the bedroom and a piece of vinyl flooring. While I was a tenant, I requested that the vinyl flooring be fixed. It was a small rip in the flooring ( Photo attached ) The maintenance individual stated at the time of request to fix it, that it was not something he could fix. I ended up being charged {$970.00} and it was actually fixed after leaving. I was also charged {$170.00} for the carpet that had some discoloration in the bedrooms. I was also charged for drywall issues which they cut due to water damage. ( Photos included ) We utilized an app called ( XXXX ) to make maintenance requests. Below are photos of many of the requests and I made to maintain the conditions of the apartment, Just to avoid being charged. I asked the district manager and to explain how I was charged so much. I also have attached a video of what the flooring looked like when I moved. I was sent a ledger and bill which is also attached but I do not believe that the amount was equivalent to the condition I left the apartment. At most all the all flooring needed was a carpet cleaning which is required and mandatory in all units when individuals move out. And I do not believe that the small piece of Vinyl in the photo was almost {$1000.00}. I know individuals who have moved out with more extensive damage and I dont believe the charge was as much.

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 2024-02-09 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to any XXXX party company

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX, XXXX AND XXXX FRAUD DEPARTMENT RE : XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. CAPITAL ONE XXXX, should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. this company refuses to obey the credit laws, again this is not my account, and I did not open this account, this is preventing me from getting a good job and a nice home, the info on my credit report from the company is incorrect Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report police report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
The car was totaled in an accident and the insurance company was to pay this off and it is still reporting on my credit. No one has responded to my request.

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 2024-02-09 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-02-09 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: The Receivable Management Services LLC
State: PA

Complaint narrative:
On XX/XX/2024 I sent an Identity theft letter to RECEIVABLE MGMT SVCS, XXXX XXXX, XXXX XXXX. I have not received a response nor has XXXXRECEIVABLE MGMT SVCS, XXXX XXXX, XXXX XXXX. 
complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on XX/XX/2024 and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and requests made by the consumer. RECEIVABLE MGMT SVCS, XXXX XXXX, XXXX XXXX. have not made one call or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer 's request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the consumer 's report, as by lack of response and documentation requested signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
To whom it may concern, I am writing to file an official complaint against Curaao and XXXX for providing false payment history on my credit report. I had an account with CURAAO beginning in XXXX, I experienced a hardship between XX/XX/XXXX and XX/XX/XXXX in which I was late on my payments. I was able to pay off the account completely to CURAAO in XX/XX/XXXX. 

Now comes XX/XX/XXXX, I am purchasing a vehicle and XXXX was the only credit agency reporting this account as charged off. This affected the payments and the interest of the car I decided to purchase. I was under the impression for months that I was in good standing with my credit by looking at it consistently through XXXX and XXXX and a charge off is suddenly showing on XXXX from a credit card I had paid off in XXXX. 

Although there were some late payments, the account should not be marked as a charge off because the debt was collected. It is showing on my report that there is XXXX negative months on this account and thats false. I tried to dispute this twice and they are claiming that the information is correct. I called Curaao and they confirmed the account was paid off, I have a bank statement from XX/XX/XXXX with the payment made to Curaao.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XXXX XXXX XXXXXXXX I noticed a major increase in my monthly US bank mortgage payment. It jumped from {$970.00} in XXXX, to {$1200.00} in XXXX and XXXX. I looked at my monthly statements and in my escrow payments under " overage/shortage '' was a charge of {$240.00}. This " overage/shortage '' was mostly the issue along with an slight increase in taxes, insurance, principal and interest payments. I have carried a mortgage loan on this house for about 7 years. I have had slight increases in my mortgage payments from insurance and taxes but not this much. I continued to make this increased mortgage payment until XXXX with the thought that at the start of the new year the shortage in the previous years tax and insurance payments would be paid off and I would be only paying the new increase in tax and insurance. But as of XX/XX/XXXX I am still paying this extra {$240.00}. So I decided to reach out to US bank directly. 

I called US bank customer service twice during the XXXX and XXXX months. After finally being able to talk to a person and not a robot, I was told that the increase in my mortgage payments was due to an increase in my tax and insurance. But this did not add up to me. The tax increase was {$8.00} and the insurance increase was {$34.00} compared to the previous months. Even if there was a shortage over 12 months that's {$510.00} short. That extra {$240.00} would have paid that off in 2-3 mortgage payments. But after 6 months I am still paying this extra {$240.00}? 

As a last resort I took time off work to visit my local US bank to talk to someone in person. The teller was very nice and told me they couldn't look up some specific information but she could see my escrow payments. After she saw the discrepancy she also thought that it was very odd. She sent an email to someone at US bank describing my situation and I was told I would be getting a phone call from someone in 15 business days about how to resolve this issue. This was on XX/XX/XXXX. The Request confirmation number is XXXX. After 19 business days I did not receive any phone call, email, or message on my US bank online account. So now I hope the CFPB can help me resolve 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 2024-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I rented this apartment in XXXXXXXX Washington with me and my mother. We we do not owe this debt of the amount they say we owe. We were sued for it and are being forced to pay it. We got an attorney and they found out that its not our debt to pay. We are on section 8 housing choice voucher receipt and we satisfied our financial obligations under the lease agreement before my departure in XXXX of 2022. The plaintiffs records confirm this and a review of the ledger, filed by the plaintiffs, shows that my balance at the time I vacated was $ XXXX I believe that the subsequent entries in the ledger pertain to a different tenant that we dont know. The name of the company is Columbia debt recovery LLC {$7000.00} dollars.

Company response to consumer: Closed with explanation