vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I was contacted by XXXX on XX/XX/year> and told that I owed money for occupying an apartment that I was no longer living in. Once I provided email correspondence to XXXX of XXXX showing that me and XXXX XXXX from XXXX XXXX verified that I had moved-out of the apartment Communication between XXXX and XXXX stopped. Now XXXX  months later, my credit profile was sold to XXXX XXXX XXXX XXXX XXXX XXXX I am asking XXXX to remove any unresolved credit from profile. I will be seeking an attorney to file a harassment suit. 
Columbia Debt Recovery harassed my minor aged kids with scared tactics. 
Additionally, Columbia Debt recovery harassed me trying to obtain a debt that is not truly owed. I have sent a correspondence to XXXX XXXX a copy of all correspondence between me, XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
My account with EQUIFAX 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: SC

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

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 2024-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Received an alert for a hard inquiry from SYNCB/TJX CO XXXX I did not apply for a new line of credit, my credit was used unauthorized. Called the company to ensure line of credit was not opened, I was informed the application was denied. Proceeded to freeze my credit and place fraud alerts.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my diligent efforts, these fraudulent accounts remain on my credit report, and my disputes have been ignored or inadequately addressed. The persistence of these inaccurate accounts is causing significant harm to my financial standing and overall well-being. Upon discovering these unauthorized accounts, I promptly filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted this report to the relevant credit reporting agencies.

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 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My home loan from XXXX XXXX XXXXXXXX was transferred in XX/XX/XXXX to NewRez, LLC DBA Shellpoint Mortgage Servicing. I called them on XX/XX/XXXX as I had recently made a large payment and wanted to recast the mortgage as well as remove the XXXX from my monthly payments. The person on the other end of the line did not want to answer any of my questions about the process, was very short and rude with me, and at multiple times tried to end the conversation. I managed to get my questions through and she said there was a fee I had to pay for the recast as well as make an additional down payment ( {$5000.00} minimum ). I gave her my information and she assured me that she would submit the recast but that it would take up to XXXX  days ( she also told me to submit the XXXX request online, we'll return to that later ). So on XX/XX/XXXX I called back and found out that the recast had not been submitted correctly, and that my payment and fees had not been applied to the recast at all! I spoke with XXXX, who similarly was very rude and short with me. I then transferred to the supervisor XXXX XXXX who had a better demeanor and was willing to resubmit the recast but nothing more. On XX/XX/XXXX I called again and spoke with XXXX XXXX who was courteous, but confirmed that the XXXX removal had never been submitted at all. ( Except I have an email from the company saying I had successfully submitted it online! ) He said that the recast had been submitted correctly on the XXXX, but that it would now take up to XXXX days to complete. He apologized for what had happened, and I guess that is XXXX small thing, but I also get a different answer every time I call and that is very disconcerting. To sum it up, I am still astounded by the errors that have been admitted to by this company. Their incompetence has cause me and my family to go through weeks of stress and financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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 XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX BALANCE {$1500.00} Account Name : XXXX XXXX  XXXX XXXX BALANCE {$1100.00} Account Name : XXXX XXXX  # XXXX BALANCE {$5500.00} Account Name : XXXX XXXX  # XXXX BALANCE {$20000.00} Account Name : XXXX  XXXX # XXXX BALANCE {$3600.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX BALANCE {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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 received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXXXXXX

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 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I purchased a CAR from the company and they told me to do the wire transfer, I went to the bank, and the cashier helped me to do the transfer, and I was supposed to received my car 10 days later since nothing has happened and that company doesn't respond, I contacted my bank about this issue and the police. 
I went back and forth with my bank, they told me to file a complaint with the other bank that received the transfer and they said it would take up to 90 days, but last week my back sent me a letter saying my request was denied and they will not refund me because I authorize the transaction the amount was {$19000.00} and it was on XX/XX/year> here is the police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 XXXX  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 XXXX out of XXXX 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. these are the accounts : XXXX - XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
I am writing to follow up on the disputes I have previously submitted regarding several negative items listed on my TransUnion credit report. Despite my previous attempts to address these issues, the inaccuracies and invalidities remain unresolved. I am requesting immediate action to correct these errors.

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 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The reason why I need to file a case on this issue is because on XX/XX/XXXX XXXX I was scammed by fake fraudulent company that was claiming to be called XXXX XXXX from XXXX XXXX and they sent an email to my XXXX account and on the following the told me to download this app called XXXX and basically allows the other user to have access over your device and on that process they had stolen money from all my accounts from my Wells Fargo Bank I took screenshots of the incident. The scammer was sending money to XXXX through a bank called XXXX. He took money from my XXXX and was sending the money through my old XXXX XXXX account and through that while going to checking account savings account and credit card he told me to tell the XXXX XXXX  to make it sound real and I never us this third party Bank in my life including the lady that was i sending to named XXXX XXXX, as soon as the incident took place, I called Wells Fargo and stated that there was a fraudulent situation that took place and I called Wells Fargo around XXXX XXXX so that we could start a case. They proceeded to change everything about my account giving me a new account number giving me a new checking, new savings and new credit everything was good the funded me back all the money until 4 months later they credited me for {$1500.00} and took the money out of savings account without giving me a notice or provided any reason to why during the time. So I call Wells Fargo and started a case on that behalf of my savings account. Every time I started to ask about case during the 10 day process they told me to wait 10 days on regarding of the situation and every time I waited they would close the account case and say that the case is closed. I've been going back and forth for days now. Almost about a week to 3 weeks going.

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 2024-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XX/XX/year> It has come to my attention that the contributions I have made towards my XXXX ( k ) plan have not been made available in my account. Specifically, it appears that the contributions have been withheld by the XXXX XXXX ( PRA ), but the funds have not yet been deposited into my XXXX ( k ) XXXX account. 

This issue is causing me concern as it directly impacts my retirement savings. As you know, timely contributions are essential to ensuring that my retirement funds grow appropriately and that I can take full advantage of any employer matching contributions and potential investment returns. 

Last notification that was provide to me with an update on the status of my XXXX ( k ) contributions was XX/XX/year>? I would appreciate it if you could confirm the following : The reason for the withholding of my XXXX ( k ) contributions by the PRA. 
The expected timeline for when these funds will be made available in my XXXX ( k ) XXXX - XXXX account. 
Any steps that I need to take or additional information you require from me to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-26 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:
I called TransUnion today XX/XX/2024 and I spoke with a representative today and he asked me how he can help me and I told him that my TransUnion account is locked and I was trying to file a dispute online. I asked him why my account is locked he kept telling me is was for security purposes and that all he said before I asked to be transferred to the department to help me unlock my TransUnion account. The representative I spoke with told me the same thing that the previous representative told me so I asked him why is my account locked. He finally told me it was because of fraud that happened in the passed and I told the representative that is was TransUnion responsibility to send me an email regarding the fraud and they failed to inform me of such. I opened my TransUnion account earlier this year between XXXX and XXXX. The representative also told me they don't know when TransUnion will unlock my account and they said they don't know if it was myself or someone else that was trying to access my TransUnion account and I told them that I am the only person that is trying to get my account unlock. They still refused to unlock my account and all I was trying to do was file a dispute online and he told me the only way I can file a dispute was with him over the phone or by mail.

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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation