vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: HI

Complaint narrative:
15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( 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 XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have been through lots of undue torture between you ( XXXX and XXXX ). Here I am, a law-abiding tenant who doesn't have a history of late payment being put under undue pressure just because I had the effrontery to stand up to a management staff and in retaliation was told to start parking my vehicle outside the premises. 

As such, I was incurring towing fees, which made me break my lease and since XXXX knew they could hide the lease agreement to perpetuate their evil act, I was charged the lease termination fee. They took me to collections and I didn't make a fuss about it and tried to work with you ( Genesis ). 

You sent me an email claiming I may qualify for a 25 % deduction, which made me reach out to reason with you and since we didn't come to an agreement, I went about my way. I got the same notification again and reached back out and you insulted me by saying I should get off your phone if I can't pay you {$3300.00} or so, which made me go off on the guy called XXXX. 

To my amazement, someone named XXXX reached out to me via text saying I qualified for significant savings, it would expire soon and that's when I reached out for this final negotiation. 

XXXX agreed to a payment of {$2200.00} as my final payment so I thought, only for you to turn around to claim that the {$2200.00} is a single clean-up for me and the balance belongs to my husband. I, unfortunately, don't recall that verbiage as that may have been your plan all along with your boss to ensnare yourselves ( not me ). You XXXX, didn't send me the invoice receipt of my payment and the communication to advise me of the cleanup of my credit record as promised, more so, you started dodging my calls as you never called back despite what I was told by your colleagues you would severally. 

You were deceptive in how you collected this debt from me. You blatantly lied to me. There was no mention of my husband going to pay another portion until I made the payment of {$2200.00} which means you used trickery on me. 
I would like for you to provide all communications including telephone records to prove what we had agreed upon as that is the only evidence I have right now to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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:
Dear Sir/Madam, I am writing to formally dispute several inquiries listed on my credit report. Upon reviewing my credit history, I have identified multiple inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX, XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

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 2024-03-09 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: IL

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
TO WHOM IT MAY CONCERN : XXXX XXXX is not licensed to collect debts in XXXX Congress has made it clear that there is abudant evidence of the absuive deceptive and unfair debt collection practices by debt collectors like XXXX XXXX.Thank you for providing me with this documentary evidence of federal violations in the collection of an alleged debt I will need you to provide more documentary evidence of federal violations so i can continue to add to my lawsuit against XXXX XXXX XXXX XXXXXXXX.for the following federal violations 15USC 1692B 15USC 1692C 15 USC 1692D 15USC 1692E 15 USC 1692F 18 USC 1001

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX account XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2024-03-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked out my credit profile and realized there was some hard inquiries that are not mine.

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 2024-03-09 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
During the XXXX XXXX, the lender provided accommodations on my loan due to a hardship. The loan was reporting late XXXX times and repossessed. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. On previous CFPB complaint # XXXX the company responded to the by saying " We have reviewed our members tradelines with the four nationwide credit reporting agencies and noted a discrepancy. We will submit a request to the four credit reporting agencies to update their records. '' The changes that were made was a removal of the repossession. The late payments are still reporting. The Cares ACT was continued into effect until XXXX  months after the XXXX XXXX ended XX/XX/XXXX. Well past the timing of the late payments in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried to add my XXXX XXXX  account online as a payment from account to my Bank of American account, I got an error message that I need to fill out the account add form. I am not able to find it online, I called Bank of American online customer services, they are not able to find the form and directed me to a branch. I visited a branch XX/XX/year> and it took the branch agent XXXX hours to find out there is no such form available. I need to sent them a note with XXXX XXXX direct deposit form and a screenshot of the error message to add it. Bank of American did this on purpose to discourage their customer to add accounts they do not want That is a violation of FTC Section 5 : Unfair or Deceptive Acts or Practices.

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 2024-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
ARM adjustments for the last year every XXXX month, are XXXX XXXX  month Libor rate which means rate should be XXXX XXXX XXXX XXXX %. Now they calculate the rate as XXXX % ... Last two XXXX month rate adjustments letter I did not understand pursuant to the note calculation. Mr Cooper never replied to my letters for an explanation as the last one the lender said that they would reply by XXXX XXXX. AS Of XX/XX/2024 NO reply. ARM adjustment letter XX/XX/2024 from Mr Cooper using the XXXX XXXX  CONSUMER CASH FALLBACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion, I am writing to bring to your attention a serious issue regarding an inaccurate account on my credit report. Despite my credit report dispute that I submitted to TransUnion on XX/XX/2024, the account remains unresolved. I am writing this complaint because this deceptive collection agency is making unauthorized and inaccurate changes to my credit report, and I need my identity protected right away. 

The debt collector, XXXX XXXX XXXX, failed to notify me of a derogatory collection account which was incorrectly and duplicitously reported on XX/XX/2024, while simultaneously misleading me into believing my active dispute was underway, which has severely damaged my credit score ; I believe this is a violation of FCRA. Moreover, they have failed to provide proof of the alleged debt or respond to my dispute with them, and I have since reported their unethical and manipulative behavior to the authorities. This issue has contributed to a lot of financial stress and XXXX  especially with regard to an unethical debt collector tampering with my identity and personal information. I'm concerned about the violations and would appreciate additional measures to safeguard my personal information and ensure report accuracy. 
Please remove the inaccurate account and help me regain confidence in my credit report. 

I expect TransUnion to take immediate action to : XXXX. Remove the inaccurate account from my credit report XXXX. Provide written confirmation of the resolution to my email I appreciate your prompt attention to this matter, and I look forward to a swift resolution. 

Sincerely, 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 2024-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: NJ

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Timely payments on this account have always been my priority, ensuring they never fall overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-03-09 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: IL

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-09 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: NM

Complaint narrative:
They wrongfully took signatures for a service was not provided and will never be provided. I never signed anything. This is fraud. Experian is the only credit bureau still reports this on my account. My wife XXXX XXXX XXXX XXXX successfully disputed and won the claim to be taken out of her experian report. My case is nothing different than her. XXXX provided the same supporting information for both the both of us. 
Loan number XXXX XXXX XXXX XXXX XX/XX/2023

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 2024-03-09 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
BARCLAYS BANK DELAWARE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( XXXX XXXX XXXX ). BARCLAYS BANK DELAWARE is depriving my of my rights under the XXXX of law ( XXXX XXXX XXXX ). and is attempting to collect extensions of credit by extortionate means ( XXXX XXXX XXXX ). 
Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 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 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are inaccurate, and it's causing me discomfort

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 2024-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
TO WHOM IT MAY CONCERN : NCB MANAGEMENT is not licensed to collect debts in XXXX Congress has made it clear that there is abudant evidence of the absuive deceptive and unfair debt collection practices by debt collectors like NCB MANAGEMENT.Thank you for providing me with this documentary evidence of federal violations in the collection of an alleged debt I will need you to provide more documentary evidence of federal violations so i can continue to add to my lawsuit against NCB MANAGEMENT SERVICES INC.for the following federal violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # beginning XXXX, has violated my rights. 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 furnish a account without my written instructions

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 2024-03-09 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:
I recently checked my credit report and I see 1. XXXX XXXX XXXX XXXX account number XXXX 2. Unknown Account name ( not shown in report ) with no contact information listed on report Account number XXXX XXXX XXXX 3. Unknown account name ( not shown in report ) with no contact information listed on report Account number XXXX XXXX XXXX These accounts are reporting fraudulent and inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account, and also other documents so that I may review to see if this is actually an account that belongs to me. 

Also I have several unauthorized inquiries in my report that I never gave permission to run my credit. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.

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