vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Our mortgage company was not paying one of our property taxes when they should have been paid from escrow. This has happened since 2019 and we just found out because we were served with legal papers because an asset management company bought the lien in a sale and we are now being the threatened with foreclosure. I have a copy of my title that very clearly shows the two property numbers so the mortgage bank just failed to pay both property taxes. I have contacted the bank and they are dragging their feet and just telling me they are looking into it, while I can lose my home.

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 2024-07-25 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:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
Monday, XX/XX/year> I received a credit monitor alert for new account detected on Equifax Credit Report. XXXX, XX/XX/year> I signed into XXXX and logged into my account to review the most recent updated credit report and investigate the new account detected. 
Being a victim of fraud in recent months for fraudulent accounts opened in my name, I added security measures with all 3 credit reporting agencies to protect my credit files. I added the security freeze available as well as a the victim fraud alert. 
The new account detected is fraudulent. showing no hard inquiry, how can this account be added to my report, with the security measures in place. I called the company and had it closed. I demand that the fraudulent account, XXXX, be deleted off my credit file immediately, before I take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

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 and I am filing this complaint for falsely reporting misleading information. There is no XXXX  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 2024-07-25 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

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 2024-07-25 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute these accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-25 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: NY

Complaint narrative:
My account with XXXX XXXX, XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
The below transaction I did not receive the cash from the ATM. I wish to dispute this transaction. 

- {$190.00} ATM Withdrawal XXXX, XX/XX/XXXX XXXX XXXX  Normally the ATM prompts about currency conversion ( it's in XXXX ) before dispensing money. Instead of this screen, it had a white screen for a few seconds and then gave a generic error with no details. The wording was something like " an error occurred '' and ejected my card. There was no error code. 

I assumed that I hadn't been charged because it didn't ask about currency conversion. No receipt was provided. 

There are tons of cameras in the bank and I can provide contact info. I was told by the ATM provider to contact my bank. 

I made a claim XXXX days ago that was rejected. I'm sure this is a mistake because there is no way this was investigated in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered the following on my credit report : Portfolio Recovery Associates Account number : XXXX In the amount of XXXX which was purchased from XXXX XXXX to your company as debt buyer Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money Portfolio Recovery Assc. isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX was taken from my account. I contacted the bank and told them this was an unauthorized payment. I was asked if I had a receipt for the XXXX year subscription and I said yes. I was given a refund. Now today the payment was taken out again in a reversal. I called and was told an investigation was done. I have sent the receipt and a picture of the purchase which is good till next year via email as requested. I was told it would take weeks to investigate my claim before I received a refund. No notice was received the payment was being taken out again after I have already told them it was an unauthorized payment. I don't think any investigation has taken place and it was just easier for them to reject the claim and have to do their job myself. Any other time a suspect transaction has taken place I have been alerted and given a chance to respond. I have filed a complaint about their procedure process with the bank. This is the XXXX  time they have been told this is an unauthorized payment.

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 2024-07-25 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: TX

Complaint narrative:
There were 9 accounts from affirm that were opened without my consent as a result of identity theft. These accounts were fraudulently reported to my credit report. 

Affirm Attn : Fraud Disputes XXXX Re : XXXX XXXX Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Account # : XXXX Opened : XX/XX/2023 Dear Sir or Madam : XXXX client, XXXX XXXX, is a victim of identity theft. XXXX XXXX states the referenced accounts were opened without her authorization or knowledge. She further states that she paid in full the accounts believing she was finally responsible for the debts even though she did not open the accounts. XXXX XXXX now understands that by making payment on these accounts, she has accepted financial liability and is not requesting a refund of any of these monies. She is however requesting that XXXX, in good faith, remove the referenced accounts from her credit reporting history at Experian. 

Enclosed, please find a signed and notarized Limited Power of Attorney authorizing me to act on my clients behalf along with identification documentation, a copy of the police report filed, and a signed and notarized ID Theft Complaint and Affidavit which has been filed with the FTC. 

Any correspondence concerning this account should be addressed to me at XXXX ext XXXX or by fax at XXXX. A copy of the Limited Power of Attorney, authorizing XXXX to act on our clients behalf follows this letter of dispute. Your immediate attention to this matter is both expected and appreciated.

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 2024-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/XXXX : I borrowed {$6200.00} from Title Max in the car title loan with my XXXX XXXX XXXX XXXX as a collateral. 
After servicing this high-interest loan for nearly two years, I offered a fair settlement to Title Max. I forwarded the settlement offer to the CEO of Title Max XXXX XXXX XXXX on XX/XX/XXXX. No response from Title Max yet. 
I am afraid Title Max will repossess my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MA

Complaint narrative:
I am writing to dispute the following unauthorized information on my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

# # # Disputed Information : - **Account Name** : XXXX XXXX XXXX - XXXXAccount Number*XXXX : XXXX - **Account Type** : Auto Loan - **Date Opened** : XX/XX/XXXX - **Status** : Paid, Closed as of XX/XX/XXXX - **Payment History** : Past due XXXX, XXXX, and XXXX  days in various months # # # Dispute Reason : According to 15 U.S.C. 1681b ( Section 604 ), a consumer reporting agency is restricted to providing consumer reports only under certain permissible purposes. It appears that the account information listed above does not adhere to these permissible purposes and may have been reported without proper authorization. This account, in particular, should not be part of my credit file as I did not authorize this information to be reported. 

# # # Requested Action : I request that the following actions be taken immediately : XXXX. Investigate and verify the accuracy and authorization of the information reported by XXXX XXXX XXXX. 
XXXX. Remove any unauthorized or inaccurate information related to the above-mentioned account from my credit report. 
XXXX. Provide a written confirmation once the investigation is completed and the necessary changes have been made. 

# # # Enclosures : To assist with your investigation, I have enclosed the following : XXXX. A copy of my credit report highlighting the disputed information. 
XXXX. A copy of my identification. 
XXXX. Any relevant documentation that supports my claim. 

Please acknowledge receipt of this dispute and initiate an investigation into this matter at your earliest convenience. Under the Fair Credit Reporting Act, you are required to complete your investigation within XXXX  days of receiving this dispute. 

Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure. 

They have 15 days to show me what method was used for their investigation. 

And they are reporting the name an inaccurate name on the same account. My wife 's name is XXXX XXXX and you are reporting XXXX  and I have no idea who that person is, that information is inaccurate and needs to be removed under According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), Prohibition on Reporting Information with Actual Knowledge of Errors : ** - As per Section 623 ( a ) ( 1 ) ( A ), 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 2024-07-25 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-25 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-25 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Moreover, they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NH

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 and 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Park Hill Holdings
State: NV

Complaint narrative:
I saw that you reported my credit being a very low XXXX on an application for renting a home. After checking my credit with several bureaus, They confirmed my credit score to be XXXX and XXXX. Because you reported a XXXX I was denied on my application to rent a house. This needs to be corrected ASAP not 30 days later as you claim. This falsifying of my credit has now prevented me from moving forward with renting a home.

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