vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-03-22 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
To whom it may  concern, I contact XXXX XXXX the loan servicer for XXXX XXXX XXXX of XXXX regarding my delinquent account. I had previously filed disputes with them asking for original account-level documentation however I never received this information. I recently attempted to get a mortgage loan, and XXXX XXXX appeared on my credit report as delinquent. My potential mortgage provider said they require me to get this account addressed before they can offer me a mortgage loan. I contacted XXXX and they told me they could not assist me with credit reporting and I would need to contact the collection agency they assigned my account to called, Coast Professional Inc. I contact Coast Professional Inc and they said XXXX closed the account after only 30 days of the account getting assigned to them, however, I never received phone calls or letters stating the account was assigned to another institution. XXXX nor Coast Professional Inc, never gave me the opportunity to dispute or ask for verification of this debt. 

In the same day, I contacted again XXXX explaining the situation and information I received from Coast Professional Inc. I requested a Manager ( name I did not document ) this manager however was extremely rude and aggressive saying I can't take your word for it we will need to contact Coast Professional Inc to re-open this account and I would have to pay the balance in full so they can assist me with my credit report. I asked if there is any assistance they can offer and she said no there is not. I let her know I would be filing a dispute as I see several state and federal violations here from UDAAP, FDCPA and FCRA in violation and she did not seem to care and said she would respond back to the CFPB accordingly. 

I'm asking for the CFPB to please assist me with this challenging issue as I'm in desperate need to obtain a mortgage loan, however these issues, violation of federal law and unprofessional service are making it quite difficult for me to successfully obtain a mortgage loan. I look forward to hearing from you. 

Best regards,

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 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XX/XX/24 paid a deposit of {$450.00} through Zelle to my friend for a furniture deposit. 

Found out her XXXX account was hacked and the money did not go to her. Requested a refund and received a fake refund text. 

Filed a claim with my credit union and Zelle. Zelle has locked me out of my account and said I cant use their app anymore even though they said I may get the money back. 

Zelle claim # XXXX I have copies of of all communications to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-22 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-22 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: GA

Complaint narrative:
I have called and submitted several requests to see my credit report on their website. The representatives have said that they were escalating my issue, but no supervisor has called me back after months. They acknowledged seeing my prior calls and have been surprised I have not been contacted in all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have reported this company and they provided a false statement about the outcome. They advised that they updated the balance to reflect the correct amount and didnt. They are reporting different information to the credit bureaus and have violated my rights and broken FCRA laws. They first reported this was taken back and I asked to give the vehicle back to them. They advised the XXXX  that my payment balance was updated and I will provide the response. They sold the vehicle but updated the balance back to what they shouldve never done after falsifying a Statement and correcting it and closing the complaint. They immediately put it back afterwards. After the sale of the vehicle, they were to furnish me with the sale amount and my remaining balance and didnt. Now they have charged the account off less than 45 days after the sale without properly reaching out to me. Im asking to have this account removed from my credit reporting immediately. They have been reported many times by others and have active lawsuits. This company has caused me lots of trouble and reporting negative incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: Kikoff Inc.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : KIKOFF LENDING LLC Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am writing to file a formal complaint against Bank of America, located at XXXX XXXX XXXX XXXX XXXX, DE XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others.

Bank of America has inaccurately reported an account on my credit report as charged-off and closed by the credit grantor. However, this account was charged off and subsequently sold to a debt collector. Given that Bank of America no longer owns this account and has been compensated for it, the persistence of this data point and/or trade line on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the data point and/or trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/year>, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Bank of America is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of information in my credit report, compelling Bank of America to rectify any inaccuracies found. 

Bank of Americas refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Bank of America to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.

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 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2024, the creditor sent two separate emails to my parents, providing them all information about my debt, including amounts owed. I never provided them with these emails as being okay to contact. 

My parents now know very personal information about my debt history and it has caused extreme interpersonal and family problems due to this, all because of the credit collector recklessly giving them this information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I have indicated to this company on numerous occassions to apply all my extra payments towards principal. I have complained THREE times to CFPB on this matter. Yet, as of today, XX/XX/year>, I have {$1300.00} sitting in non interest bearing account called " unapplied ''. I had a loan that I paid off with this servicer in the past, I only had to give instruction once and it was done. I've been on the phone for almost an hour now trying to get them to apply the fund in " unapplied to principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: AL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me finding unverifiable, Invalidated, Inaccurate, and questionable items that the agency didn't make sure it was reporting 100 % correct. On XX/XX/2017 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " they do not report bankruptcies to anyone. " So if that's the case.How did the credit bureaus verify the bankruptcy as 100 % accurate. they never did a fair investigation to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information consumer '' s character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, his information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous times.

the credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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