vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Used XXXX  to find my mom who has the same name as me, XXXX XXXX, at XXXX point before going back to her maiden namee, XXXX. Called my elderly mom, XXXX XXXX, now XXXX XXXX, who is XXXX yrs old and preceded to yell at her demanding payment. Didn't believe they called the wrong person. Didn't believe her when she said she didn't know what they were talking about. Tried to get information out of her of where I could be reached. Made.her unpleasantly unsettled and worried. Mom called me and told me this happened on Tuesday, XX/XX/XXXX around lunchtime. 
Them this company claimed they are a dispute resolution center which when you XXXX that, comes up with a government website unrelated to them and makes the consumer scared tactics thinking it's the government. 
Then they tried to text and send emails to old phone numbers until one worked. 

Nothing was ever sent to my house by US mail. I demand a letter with the ability to dispute whatever they are claiming. 

My identity was stolen previously and reported. If no notice with dispute ability is not sent by US mailed, by address on file with original creditor,, they will be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> TransUnions report hard inquiries Report Number 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 2024-10-23 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: FL

Complaint narrative:
I looked at my credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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 accurancy of the information concerningthe individual about whom the report relates. these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurat A person shall complete all investigations, reviews, and reports required under p

aragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that se And according to 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) A person shall not furnish any informationrelating to a comsumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall-After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
To Whom It May Concern, I am contacting you regarding American Education Services ( AES ) and how they are dragging there feet when it comes to my School Misconduct Application. I have submitted and application in XXXX of XXXX  and the response I have received is they have to speak with the loan originator. They keep collecting payments from me just like XXXX XXXX XXXX XXXX and will keep collecting monies until something is done. I am hoping that you will be able to help resolve this matter. These loan companies will keep collecting and try to wait to the very last minute to want to discharge your loan, after you have mostly paid everything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I just filed a police report with the Summit Police Department in New Jersey. The latest The police report number is XXXX. 

Below are the sequence of events happened with Robinhood : Fraudsters reactivated my Robinhood brokerage account, which I closed in XXXX, withdrew {$1000.00} and {$3000.00} in two transactions from my linked XXXX XXXX account ending in XXXX on XX/XX/XXXX. 

Around XXXX XXXX  on XX/XX/XXXX, I first contacted Robinhood support and alerted them of the fraud activity since I received XXXX text messages with authentication codes between XXXX XXXX  to XXXX XXXX  on XX/XX/XXXX. I requested Robinhood to make sure not to activate the account. Robinhood case number XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I received another text message with authentication code ; another email at XXXX XXXX  XX/XX/XXXX that notified me my personal information has been updated successfully. The login was changed to XXXX. I immediately emailed XXXX, XXXX to report the fraudulent activities. I requested a call back from Robinhood website; was able to speak to XXXX from customer service, and was given a case number XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I called XXXX XXXX to alert them of the fraud activity at Robinhood. XXXX XXXX closed the account ending in XXXX and asked me to go to the XXXX XXXX branch the next day to open a new checking account. Obviously XXXX XXXX didn't put a stop payment to Robinhood at that time, only closed the account. 

Around XXXX XXXX  XX/XX/XXXX, I went to XXXX XXXX summit branch, opened a new checking account ending with XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I saw XXXX posted transactions on the new XXXX XXXX account ending XXXX, XXXX transactions in the amount of XXXX and XXXX with a post date of XX/XX/XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I called XXXX XXXX ; XXXX XXXX filed a fraud claim ( XXXX ) against Robinhood, put on a stop payment to Robinhood ( reference # XXXX ). 

At this time around XXXX XXXX  XX/XX/XXXX, Robinhood status is still reviewing my account. Since XX/XX/XXXX, I emailed them throughout the day everyday alerting them of the fraud activity and requested to freeze/delete my account. And since the fraudster changed information on the account, I can not pass the verification process at Robinhood using my name, SSN, birthday etc. Robinhood customer service and fraud department refused to talk to me. I tried three times this morning and got hung up each time. The fraudster completely took over my account, and Robinhood didn't take any action on the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This company started contacting me on XX/XX/year> by email claiming I owe them a debt of {$72.00}. I have no knowledge of. I have disputes this account multiple times and it keeps reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: TN

Complaint narrative:
I have been violated in numerous ways by these companies as federally protected consumer I have late payments I need updated immediately to paid as agreed this information is not reporting accurately and harming me tremendously. 15 USC 1666b also 15 USC 1681 these United States codes are being violated. According to 16 CFR 313 I have the right to privacy, as well as 15 USC 1681 inquiries need to be deleted immediately thank you for you duties to help consumers stay protected from predatory lending in the United States of America in God we trust!

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 2024-10-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding their denial of a loan application. 
I have been a loyal customer with the bank for over XXXX  years, maintaining a good credit standing with a score in the low XXXX. 
I also own XXXX homes, all financed through other banks, and I have credit cards with other institutions that offer me better limits than what Ive been granted by Bank of America. 
Despite my long-standing relationship with Bank of America XXXX XXXX have been denied multiple times for credit limit increases and other credit products. 
Most recently, on XX/XX/XXXX, I applied for a home equity line of credit ( HELOC ), but my application was denied based on an alleged issue with my income-to-debt ratio. 
I find this reasoning questionable given that other banks have extended credit to me without issue. 
On XX/XX/XXXX, prior to my HELOC application, I was denied a credit card limit increase ( denial letter attached ). On XX/XX/XXXX, Bank of America approved me for a car refinance loan, which I declined due to receiving a better rate from a different bank ( attached is the approval document from Bank of America ). Additionally, on XX/XX/XXXX, I was denied a HELOC with Bank of America, falsely citing the existence of a solar equipment lien on my mortgage, which was entirely Inaccurate.

I have escalated the issue internally within Bank of America, but after a quick review, I was still denied the loan with the same explanation.

I believe Bank of America is not following fair lending practices, and this has raised concerns that I may be facing discriminatory treatment. 
As a registered XXXX XXXX, I am aware of ongoing discussions around fair lending for XXXX entrepreneurs, and I believe that my case may fall under this umbrella of concern.

I am seeking CFPBs assistance in investigating this matter to determine whether Bank of America has violated any fair lending laws or engaged in discriminatory practices. 
I want to ensure that I am being evaluated fairly and according to my financial situation, without bias or undue obstacles.

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 2024-10-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The debt original belongs to XXXX, XXXX and XXXX XXXX was was previously removed due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
A company named Genesis contacted my mom looking for me as if was regarding me applying for a car and she told them I was heading to boot camp.. Prior to I had never received anything from and had never hear of them, next thing I know their on my credit and charging me late fees for a date that I was never giving information about. From my understanding they bought the loan without my knowing and made a payment plan I never made fraudulent. I am a college student that decided to go to the airforce and I don't know much about credit but I know this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Shows payments then shows no payment then shows payment then no payments under the fair credit reporting act this is in accurate reporting and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Center, LLC
State: PA

Complaint narrative:
A company is trying to destroy my credit and has never disclosed this debt to me. I never signed anything saying I would pay this amount and have not had a fair chance to dispute this debt, this company just buys debt from whoever they can without properly Verifying it. I worked hard to clear up my debt on my credit report and if you view my report I have paid everyone I owed fairly. I NEVER CALLED OR Signed anything requested an ambulance. I will be seeking legal action and will be contacting my lawyer over this debt buyer trying to ruin my hard earned credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has been provided with XXXX credit score, Fraud reports, Documents showing deleted files and all information need to delete incorrect files that are hurting credit. For XXXX  years now Transunion has failed to investigate issues that other credit reporting agencies have resulting in me being unable to obtain new credit, move locations and get a home. Transunion has been contacted over the phone, mail and CFPB. Transunion has been sent all required information and has refused to do there disputes due to negligence and racism. XXXX has not provided accurate credit report and when requested have UPDATED files against consumer request to DELETE

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 2024-10-23 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
From me American Express collected five insurance premium over-payments totaling {$250.00}. Of these AmEx refunded me only {$100.00}. Hence AmEx owes me another {$150.00} ( {$250.00} - {$100.00} = {$150.00} ). 

According to the attachment from your records and your analysis you, American Express, tell me that - On XX/XX/year>, ( my ) account was billed {$50.00}, which provided ( insurance ) coverage through XX/XX/year>. On XX/XX/year>, American Express received ( my ) payment in the amount of {$100.00}, leaving ( my ) account with a {$0.00} balance due as of the closing date XX/XX/year>. 

You conclude- {$0.00} balance due on XX/XX/year> '' in error. 

Instead, as of the closing date XX/XX/year>, after on XX/XX/year> having just made a double-payment in the amount of {$100.00}, I had a {$50.00} credit coming that you disregard. 

Then you say - On XX/XX/year>, ( my ) account was billed {$50.00}, which provided ( me ) coverage through XX/XX/XXXX, XXXX in error. 

To the contrary, after I had just made a double-payment on XX/XX/year>, it follows that on XX/XX/year> you billed me an extra {$50.00} in error. That is, by double-payment on XX/XX/year>, I had already paid for coverage for two months, from XX/XX/year> through XX/XX/year>. 

Then on XX/XX/year> you received my triple-payment totaling {$150.00} ( {$100.00} + {$50.00} = {$150.00} ). In error you deducted the extra {$50.00} payment that I did not owe, because, as I here repeat, on XX/XX/year> having made a double-payment, I had already paid for coverage through XX/XX/year>. 

Then on XX/XX/year> you received my final double-payment in the amount of {$100.00}. Its all in your attached records. Thus, in error from me you collected five over-payments totaling {$250.00} ( {$150.00} + {$100.00} = {$250.00} ), then refunded me only {$100.00}. So you owe me another {$150.00} ( {$250.00} - {$100.00} = {$150.00} ). Now please refund me the {$150.00} credit balance remaining on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XX/XX/year> National Credit Adjusters XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I would like to clarify that I have already paid this account through a different collection agency prior to your acquisition of the debt. As such, I am requesting that National Credit Adjusters ( NCA ) provide me with the following : 1. A copy of the written purchase agreement or assignment of the account that shows the transfer of ownership from the original creditor or the previous collection agency to NCA.

2. Proof of the amount of debt NCA claims I owe, including an itemized accounting of all payments and charges made on the account. 
XXXX. Any documentation that confirms NCAs legal right to collect on this account. 
Please be advised that I dispute the validity of this debt, as it was previously paid in full. I request that all collection activity cease until you can provide the necessary documentation showing that NCA legally owns this account and that there is an outstanding balance. 
Additionally, I request that you update any credit reporting agencies and remove this account from my credit report if you are unable to provide proof of ownership and debt validity. 
Thank you for your attention to this matter. I look forward to your prompt response. Please contact me via the CFPB portal for further communication. 
Sincerely, XXXX XXXX -- - This version addresses the fact that you already paid the debt, disputes the validity of the current collection efforts, and requests proper documentation of the accounts ownership and balance. Let me know if you'd like to make any changes!

Company response to consumer: Closed with explanation