vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: AZ

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, Account XXXX XXXXXXXX, have violated my rights. 

I looked at my experian crdit report on XXXX XXXX and noticed somethings are incomplete and inaccurate, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 6
) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting 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:
I was shocked to find multiple unauthorized inquiries from your company on my credit report. Theyre not only hurting my score but also causing real financial strain, like higher interest rates and rejected applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year> I XXXX XXXX decided based on the treatment at XXXXXXXX XXXX location to close my account, I was lied to by the Branch Manager that I needed ( 3 ) ID 's and going back and forth for about hour, I reached out to Customer Relations who made them on that day once I sat out in my car and informed them I was sitting in my car and was told and laughed at that I did not have the proper ID. I was told to go back in that Branch and Customer Relations directive that same Manager to respect my request and to apologize for lying to me. I was given a Cashier 's Check of {$8100.00} on XXXX XXXX. Fast forward I went into a different branch located in XXXXXXXX XXXX  and presented my old ATM Card which was linked to this Savings Acct. along with my Driver 's License and XXXX started making a near ( 2 ) hours of calls, first to XXXX XXXX out of California who lied to him and was rude and dismissed and refused to speak with me... XXXX went twice to coworkers in the bank while I XXXX XXXX sat idle awaiting upon him returning the second time a email came affirming what I had been trying to tell him and the Assistant Manager XXXX XXXX. At that point they received Official Item Account Number : XXXX Check Number : XXXX Check amount : {$8100.00} Per my XXXX XXXX request for copies of what I was asked to sign was a Declaration of Loss and Indemnity XXXX Stop Payment ( XXXX ) Which a Barcode ID : XXXX was produced. I have called to ( XXXX ) XXXX and spoken to XXXX twice and gone back in person once and now today Friday XX/XX/year> as of XXXXXXXX XXXX  I have NOT received any call since XXXX on XX/XX/year>. XXXX informed of a TWO HOURS turn around NOW has gone into THREE DAYS. Bank of America are not sensitive to culture differences and needs to XXXX female Consumers. Their Bias Unfair Bank Practices once AGAIN are CLEARLY DISHEARTEN and Office of Attorney General needs to have a private independent investigation of how Bank Of America does Business to XXXX XXXX and denying and Delaying XXXX Consumer Access to their Finance without Bias.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I am disputing a debt of {$11000.00} that was reported to the credit bureaus and placed on my credit by Columbia Debt Recovery LLC DBA Genesis. This debt arises from a wrongful eviction that directly violated a judges court order prohibiting eviction at the property XXXX XXXX, where I was listed as the tenant. 
What Happened : A court issued an order prohibiting eviction at my apartment located at XXXX XXXX XXXX this court order, the property management wrongfully proceeded with an eviction and removed belongings from the unit. 

Columbia Debt Recovery LLC later placed a debt of {$11000.00} on my credit report related to this unlawful eviction. 

I formally disputed this debt and requested Verification of Debt from Columbia Debt Recovery LLC, including : Proof that the debt is valid despite the court order. 
Evidence of lawful compliance with Maryland tenant laws. 
To date, Columbia Debt Recovery LLC has failed to provide the requested verification or justification for this debt. The reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MD

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-12-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: UT

Complaint narrative:
Despite my previ

ous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-20 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: UT

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Reached out to shellpoint on XX/XX/XXXX to request a payoff since the online portal would not generate one. They stated it would be a XXXX hour turn around time. We never received anything so called back on XX/XX/XXXX to get an update. They stated there was no update and that they would send it to a team lead again but the manager would have another 48 hours to review it which now puts us past XXXX. 

So now with 3 different attempts I am still unable to get a payoff for my two loans that we have sitting in contract for sale. Both of these deals are now about to cancel due to the fact that we cant get a simple payoff to close on time because according to customer service they are having a hard time calculating the prepayment penalty.

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XXXX of XXXX, I received my regular bill from comenity bank, which was for my Caeser 's reward card. Account last XXXX XXXX. The amount of the bill was just over XXXX dollars. I wrote a check, number XXXX, for XXXX dollars. The bank ( comenity ) processed a payment of XXXX dollars as a ACH, transaction, and charged me interest on the remaining balance. Once made aware of this, I called them and reported the error. I was told that I needed to contact my bank to get a copy of the check to verify the amount was accurate. So I called my bank, and was told that when a ACH transaction is done by a company, they do not return the check, and they were the ones who would have to make that happen. I called the bank back and they told me that they could not do that, and that it was my responsibility to produce the check. There was no explanation as to why I could not get the check back, so I sent them a copy of the duplicate, which I was told was not enough. I explained to them, that I would pay the remaining balance, but there was no way I was going to pay for their mistake, and I absolutely refuse to do so today, so they have gone after my credit report. This is a second incident with this bank in the past 3 years, and I stand by, my statement, and still have a copy of the duplicate. All of the balance being reported on this account are late fees on the interest charged, As with all my bills, I have always paid what I owe, on time, if not earlier. My Credit report speaks for itself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom it may concern : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Before signing papers I asked if I would be charged insurance premiums if I selected to pay monthly. They said I would never recieve a full premium if I chose monthly. Come the second year when my insurance renewed they slapped the premium on my account XXXX early along with me paying full monthly. They never updated my monthly to the new monthly price, still have me paying the old monthly and want me to pay premiums. All they were supposed to do was update my monthly price to the new at the correct time, not XXXX early with a full premium. So for the second yr of my mortgage I have to pay now XXXX and XXXX worth of insurance. Since I can't afford the full premium at XXXX time which is why I chose monthly they take my payment and don't apply it to my account properly. I made what should be monthly payment plus a little extra thinking it would pay it down to get me ahead and they just steal the money. They don't apply it properly and nothing is getting payed down because they just take the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more then 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 2024-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
The following debt collection agencies have harassed me. I paid XXXX  on loans listed for XXXX  months the amount owed never went down. I paid {$50.00} dollars per loan for XXXX  months. Now turned over to debt collection agencies damaging my credit. I live on a fixed income from Social Security XXXX, XXXX XXXX. 
My Income is right above the poverty line according to Federal Poverty Guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Cash for whatever : amt owed XXXX this one not turned over to collection agency yet. 

I'm sick and tired of these people making offers at me when from a to z it only benefits them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-12-20 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: SC

Complaint narrative:
I have recently reviewed my consumer report and informed your agency XXXX XXXX, XXXX several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ). 

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.

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