vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America holds my vehicle loan Account # XXXX. I pay them though my bank XXXX XXXX and notate on every payment additional principal. They are refusing to apply the additional funds and instead applying it to interest. I have called twice and they are now telling me I either have to call them every month or I have to sign up for a Bank of America checking account. This is in direct violation of my explicit indication to apply my additional monies to principal and must be illegal

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 2024-07-02 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name :XX/XX/XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/year> :

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 2024-07-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CBC Companies, Inc.
State: NC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't understand how in my multiple attempts of dispute, nothing has changed. I don't think your company cares enough about your consumers because not only this has negatively impacted me, it has also diminished my opportunities and closed so many doors for me. I wish you could understand how it feels to be this hopeless knowing that these are being reported on my credit without proper verification and accuracy.

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 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
Collections USA Inc. failed to notify us within the first 30 days of the debt that were attempting to collect a debt. They did not reach out through any legal channels, and our credit reporting agency had to ask them for contact information in XXXX, after they had the debt for 2 months ( XXXX and XXXX ). The debt was originally brought to our attention when our bank detected it as a fraudulent charge. This debt had already been handled in XXXX through legal channels with my lawyer, and Collections USA Inc. failed to provide any proof of the debt other than that they were sold the debt by my previous land lord. Due to their inaction and the lack of information provided I believe this debt is innacurate at best, and entirely false at worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/XXXX, Complainant was reached by individuals, acting on the behalf of and/or through the Internet-platform XX/XX/XXXX he individuals contacted XXXX XXXX XXXX XXXX have explained to the Complainant and made him believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards the Complainant and exploiting the lack of special knowledge and skills of the latter, these persons persuaded the Complainant that they are completely legitimate, which influenced also Complainants decision to invest substantial amounts on their platform. ur research shows that there have been published numerous warnings against said platform that clear evidence that the platform XX/XX/XXXX does not have a license to trade regulated financial products such as they advertise on their sites. Deceiving the Complainant and promising substantial and rapid return of investment, the unlicensed financial broker demanded the Complainant to initiate series of payments within short period of time. The Complainant was deceived that these payments are for funding Complainants segregated financial investment account, none part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license ofXX/XX/XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their Complainants. Therefore, we assume that all payments were laundered by the Merchant and the Complainant was put in deceit that he can really place trades and participate on regulated financial markets. For a certain period of time after opening his imaginary investment account, the Complainant had access to his XX/XX/XXXX. After a while, the Complainant 's personal profile was closed without his consent, and all his attempts to get his funds back into his " investment '' accounts were unsuccessful. As a result of the interaction with the aggressive Merchant, Complainant lost USD XXXX ( XXXX XXXX XXXX XXXX ) paid in series of transactions by card within a short period of time. All payments were initiated through Complainants account with BANK OF AMERICA never warned the Complainant about potential risks associated with those payments. Complainant has tried to resolve the issue with BANK OF AMERICA. On XXXX, a Letter of Demand claiming compensation for the Complainant was sent to the bank on the following address : XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX United States of America. As of the date of this complaint, the bank failed to provide a response or feedback to the Complainant.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report with all bureaus are reflectig inaccurate addresses that are no longer applicable or have ever been applicable.

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 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IL

Complaint narrative:
On Tuesday XX/XX/year>, I was contacted by the debt collection company ProCollect. They explained that I had allegedly owed a debt for an apartment I had been living in and had moved out of at the end of XXXX even though I had paid all of my rent on time and in full, in such case the debt is owned by the two roommates I had at the time. I contacted the property manager who informed me that they had not contacted ProCollect to collect the debt owed. Yes, my name is on the account for the apartment in whole, but we are charged per room and have separate leases determining what we pay for. I do not know how this company obtained my information but I have explained to them that this debt is not mine. They continue to pressure me to pay it and explained that my credit will go down because of this.

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 2024-07-02 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: SC

Complaint narrative:
Transunion hasnt sent proof of investigation! Also the companies disputed ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX and XXXX ) have committed Identity Theft and these companies do not have a valid contract with XXXX XXXX. Transunion has taken 60 days for this false information to come back verified they have cause emotional damage and reputation harm to me and I will have to seek legal action if this is not taken care of within 15days of this notice! Transunion are not investigating these companies correctly they have been removed from XXXX and XXXX do not being verified! How can trans union verify them and what sour e did they use to verify them! I have the most difficult time with Tranunion and disputing and it been 180 days they take the most time to dispute and never investigate to come back verified!

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 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to address a matter of serious concern regarding a debt collection attempt made byMidland Credit which I believe has resulted in a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Today I discovered that Midland Credit reported a debt to one or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt collectors must provide consumers with certain information before reporting a debt to credit bureaus. 

Specifically, Midland Credit failed to adhere to the following requirements under the FDCPA : Notification of the Debt : Prior to reporting a debt to credit bureaus, debt collectors are required to notify consumers in writing about the debt 's existence. However, I did not receive any such notification from XXXX XXXX XXXX. As a result, I was unaware of the debt until I discovered it on my credit report. 

Instructions on Disputing the Debt : The FDCPA also mandates that consumers be provided with clear instructions on how to dispute the debt if they believe it is inaccurate or incomplete. Unfortunately, Midland Credit did not provide me with any information on how to dispute the debt prior to reporting it to the credit bureaus. 

Timeframe for Disputing the Debt : Even if I had received notification of the debt, Midland Credit failed to inform me of the timeframe within which I could dispute the debt under the FDCPA. As a result, I was deprived of my right to challenge the accuracy of the debt before it negatively impacted my credit report. 

This failure to comply with the FDCPA has had significant adverse effects on my financial well-being and creditworthiness. I have been unfairly penalized due to a debt that I was not properly informed of and had no opportunity to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX has been persistently reaching out to me, even though I've paid my debt with the original creditor. Just last week, a representative from XXXX XXXX XXXX contacted me regarding this account and inquired about my payment plans. I explained that I had already paid the original creditor in full. The representative claimed he had no way to verify this payment or contact the original creditor. I informed him that this was unlawful and violated the FDCPA and FCRA, as they continue to report the debt as unpaid. The representative argued and said the best he could do was mark the account as disputed. Payment Confirmation Number XXXX was paid directly to the original creditor Fortiva.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have called Shellpoint Mortgage, at least five times in three months and I have sent them my insurance documentation twice. ( a total waste of my time ) Both times, they confirmed receipt over the phone. Three months later, they are still charging me for force-placed insurance. This is stealing! When I try to contact them, I'm on hold for over an hour, and when I finally get someone on the phone, there's a 50 % chance they'll be rude to me. 
I just received a statement dated XX/XX/XXXX with forced place insurance still on my account, raising my payment!! Ever since Shellpoint Mortgage has taken over my loan they continue to do this EVERY YEAR!! 

This is unethical, and again stealing!! How is it possible to do this to a customer? 

XXXX XXXX XXXX Shellpoint Mortgage Servicing. ( Account # XXXX ) XXXX XXXX XXXX XXXX SC XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: FL

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. 

XX/XX/XXXX 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 finish 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 2024-07-02 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:
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 XXXX XXXX XXXX. 

XX/XX/XXXX15 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 finish 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 2024-07-02 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: NY

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. 


Account Name : XX/XX/XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
XX/XX/year>, my PayPal account was hacked, stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
My name is XXXX XXXX and there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I requested a card replacement and my account compromised & this is my business account The representatives and management are commiting coercion and organized crime to defraud me. My name is XXXX XXXX XXXX My social security number is XXXX XXXX XX/XX/1996 My updated phone number is XXXX

Company response to consumer: Closed with explanation