vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: CA

Complaint narrative:
I opened the dispute with Bank of America regarding unauthorized zelle transactions on my accounts and recently i also dispute charges from merchants on paypal. After 2 days, BOFA comes back saying they denied the dispute! They basically didnt take this as seriously as it should be! I am desperate and upset because of zelle unauthorized transactions plus recent dispute that i did not receive my items i ordered it is obviously scam but BofA denied the claims! As i am being their client since XXXX  they should at least put on effort to be on my side not just denied the dispute!! 
They denied all my transactions that I dispute i asked them to help but they couldnt! 
Very bad business and the reps that took the claims were very impatient as well!

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 2023-08-04 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: CO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I received a notification indicating a significant drop in my FICO score. What makes this situation particularly concerning is that, during that period, I was not engaged in any activities related to the debt sector : 1. XXXX XXXX, XX/XX/2022, XXXX XXXX  XXXX, XXXX XXXX VA XXXX Phone, ( XXXX ) XXXX, Inquiry Type, Individual XXXX 
2. XXXX, XX/XX/2022, Location XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone ( XXXX ) XXXX, Inquiry Type Individual. 

I have diligently disputed the information in question with the TransUnion Bureau through my personal account and via phone, but regrettably, the information in question remains unadjusted. Subsequently, I took it upon myself to reach out to XXXX  XXXX and XXXX ( " XXXX XXXX  XXXX XXXX XXXX '' ) to request a thorough investigation into this matter. 

According to their response, an investigation was conducted, and they assured me that they had communicated their findings to the credit agencies. However, despite their assurances, an alarming five months have elapsed, and there has been no discernible change in my credit report. 

It is crucial to state that I have never had any dealings with the said bank, nor have I ever sought to avail myself of any of their products or services. In XX/XX/2022, I lacked access to a notification system regarding my FICO score, which left me unaware of the inquiry and consequently unable to initiate an investigation at that time. 

The detrimental information in my credit report might cause undue hardship, impacting my ability to secure loans and financial opportunities.

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 2023-08-04 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: PA

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how can that be if the dates last active are incorrect, high credit amounts are incorrect, account status is incorrect, account numbers are incorrect, and response to where inquiries came from were left unanswered? These are all grounds for immediate removal from my credit reports as it has violated my rights under 15 U.S.C. 1681 section 602 A. I was seriously harmed because the Credit Bureaus continued to give out incomplete and inaccurate information after I requested corrections causing my credit score to severely and negatively be affected. The Credit reporting agencies are negligent and willful noncompliance with the law are all exhibited here. XX/XX/2023 I have sent out disputes via U.S. Postal Service and have not received an explanation nor has any of these erroneous accounts been removed from my credit report. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days to thoroughly complete their 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, I had requested for XXXX XXXX XXXX in XXXX which is handled by XXXX XXXX. To process my request they went ahead to do a background check which was done by Equifax Credit Information Service. 

On Sat, XX/XX/XXXX, XXXX the request was simply disapproved on the basis as stated- 'Unable to verify identity information '. All provided information was accurate and can be investigated further. 

Instead this was reported as derogatory public record in my name- hence affecting my credit score. Here, there was nothing derogatory about my fillings, payments, billing, or information provided. I would say the investigation was inadequate on the bank 's side and I am being punished for their inadequacy. 

I could have been reached out to verify information further. 

I would like the reporting to be rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I took out a {$3000.00} personal loan from XXXX. Somehow, my payments got linked to my XXXX daughter 's debit card ( that she gets money on for chores and good grades ), so when they tried to draft my payments, they didn't go through. I didn't realize this happened and they closed my account and sold it to Alliant Capital Management, a debt collector. I settled with Alliant, made payments, and paid off my balance. Meanwhile, XXXX retracted the sale of my debt but I was not notified, so I continued paying Alliant. On XX/XX/XXXX, I received a letter from XXXX that my account had been closed again and charged off and that I owed {$3.00}, XXXX. I have called XXXX many times, they say that Alliant hasn't sent them the money and that there is nothing that they can do. I have called Alliant many times. They said they transferred the debt to XXXX XXXX but that my obligation was completed. Alliant did send me a document on XX/XX/XXXX that my obligation was complete. I sent this to XXXX but they said it didn't matter because they still didn't have the money. I have called XXXX and they say that they sent payment to XXXX and that there is nothing else they can do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
Original Creditor : XXXX XXXX ( XXXX ) Account : WAYPOINT RESOURCE GR Date opened : XX/XX/2022. 
Balance : {$160.00} I have disputed 3 times with XXXX company including 2 times online and XXXX time in the mail to XXXX XXXX XXXX XXXX XXXX said it verified it belonged to me. But I am just a college student, and no job to open XXXX alone. I am using everything with my family, so my parents and my older sister paid for everything for me. My sister have a very good score to buy a house and a good job in XXXX. I believe this account from someone and it does not belong to me

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been a client of Shellpoint Mortgage Servicing for many years, I have never had an issue arise through working with them. The reason I am submitting this complaint is because of a health crisis I had suffered which resulted in a late payment of my mortgage. On my credit report there is a late mark on XX/XX/2022 for account number XXXX. At the time I was diagnosed with XXXX and I had many serious health complications arise. Due to massive hospital bills and me being unable to work, I was late on this payment. This was during the time when everyone was getting the XXXX XXXX here in Florida and it hit me very hard. I have advised with an FCRA attorney regarding this incident and I was told that my rights are protected under the CARES act specifically section H.R. 748 -- 200 SEC. 4013. I have also included a copy of Section 4021 which protects my rights and from this reporting on my credit report during this period in my life. You have been notified, this late payment should not be reporting on my credit report. My attorney has advised me to write this complaint and if the late reporting is not removed for the month of XX/XX/2022 then my attorney has advised to potentially open a civil case. I appreciate everything Shellpoint has done for me and I consider myself a good customer as well. I hope Shellpoint is able to understand the hardship I have went through and remove the late payment from reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
Im having trouble with my bank trying to get them to move remove PMI but they will not even work with me if it wasnt for the PMI I could easily afford this house payment I am struggling at the moment and my bank refuses to work with me all they want to do is try to refinance the house which is impossible with todays interest rates

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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2023-08-04 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: NY

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent letters to all three credit reporting agencies on XX/XX/XXXX to correct my address and removing all others and have not received a response from them. They are violating my rights. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-08-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Source : TransUnion Company : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Business Type : XXXX Balance : {$18000.00} Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Balance : {$18000.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro

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 2023-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I stay in this complex where it was time for us to move out our lease was up at XXXX XXXX XXXX. I was told by the manager to move out, because my family and were in a very bad and serious situation she told me and family would be in good standard because we were good tenants. She also said that our lease wouldnt be considered as a eviction. She told me I wouldnt have a eviction on my credit. She and I sat down and talked about why I had to move out my family and I life was in danger. I cant afford to pay {$4300.00} and I asked the can I pay low payment to this company and they said no they cant except that amount for a payment. I cant even move into a house. I need help please.They are very nasty company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX HARD INQUIRIES MY CORRECT ADDRESS IS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ALL OTHER ADDRESSES SHOULD BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with FCRA XXXX  accounts # XXXX # XXXX Has violated my rights along with the following companies due to inquiries ( attachments ) 15 U.S.C. 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 602 B. States a consumer reporting agency can not furnish a account without my written instruction.

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