vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an American Express Prepaid Gift Card for {$25.00} a few years ago for XXXX. I lost the card but found it recently and tried to use it. The card was declined everywhere, and it wouldn't allow me to check the balance online. Last night ( XX/XX/year> ) I called the number on the back of the card to inquire about the balance and was told that the funds were taken by the my state 's unclaimed funds department. My gift card is still well before the expiry date, so I don't know why the funds would be taken already. American Express refused to reissue me a new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DFC Global Corp.
State: FL

Complaint narrative:
XXXX XXXX Attorneys XXXX XXXX XXXX XXXX representative contacted me Via telephone to inform me about a payday loan debt in the amount of {$2200.00} from THE CHECK CASHING STORE. I asked the caller to show me documentation that debt belongs to me. I ask them to provide dates when alleged debt was issued. But the caller replied angrily that if I didn't pay the debt they will report it to the credit bureau. That's exactly what they did, and the collection debt was updated in my credit report on XX/XX/year>. Totally ruined my credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2024-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Capital One XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, Subject : Dispute of Inaccurate Credit Report Information Underage Account I am writing to formally dispute inaccurate information on my credit report concerning an account with Capital One, Account Number : XXXX. This account was opened in my name while I was underage, and no cosigner was involved in the application process. Therefore, the account was established illegally and contains inaccurate information that needs to be corrected immediately. 

According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, as well as Capital Ones own policy, specific requirements must be met when issuing a credit card to individuals under the age of XXXX. The CFPB mandates that if an individual under the age of XXXX applies for a credit card, they must either prove they can independently make payments on the account or have a co-signer who is over XXXX XXXX XXXX. It is also noted that not all card issuers allow co-signers. Here is a direct reference to the policy for your convenience : Application requirements might differ a little among credit card issuers. But heres an idea of the kind of things your lender considers when youre applying for a credit card : Age You have to be at least XXXX to open your own credit card with Capital One. But according to the Consumer Financial Protection Bureau ( CFPB ), if youre under XXXX, youll have to prove that you can independently make payments on the account or have a co-signer who is over XXXX. And not all card issuers allow co-signers. 

At the time this account was opened, I was under the age of XXXX and did not have a cosigner nor the means to independently make payments, which clearly violates both Capital Ones policy and CFPB regulations. Therefore, the account should never have been approved, and its presence on my credit report is erroneous and damaging. 

I request that Capital One investigate this matter promptly, remove the account from my credit report, and correct the associated inaccuracies. Please provide written confirmation of the removal once the investigation is complete. 

Enclosed, you will find copies of relevant documents, including my identification and any additional evidence supporting my claim. Please let me know if you require further information or documentation to proceed with this dispute. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I made a contract with the collection company to pay half the amount owed on the vehicle in one year for {$12000.00} within the year. I was making payments on the last payment. All my information got lost. The collection agency did not have it or the bank. I financed it with which was Ally bank.

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 2024-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing regarding the alleged debt referenced in attachment below. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state. 
XXXX. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
XXXX. A complete payment history, detailing all payments made and any credits applied to the account. 
XXXX. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 

Please note that my request is not an acknowledgment of the debt 's validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested in-formation, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 

PLEASE SEE THE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I am the victim of identity theft, discovered on XX/XX/year>. I recently filed a claim against Macys Fraud Investigation Department on XX/XX/year> after making countless attempts to get my fraud charges disputed and dismissed. I received an answer from Macys on XX/XX/year> stating that they had determined both fraudulent charges ( {$1000.00} and {$810.00} ) were fraudulent and were removing them, and that they would be reporting this to the credit reporting agencies. 
I just received another letter from Macys dated XX/XX/year> stating that they are now holding me responsible for the 2nd fraudulent charge, late fees and interest totaling {$920.00}. They state that they have conducted their investigation using information that I provided and it wasn't enough information to support my claim.

MY IDENTITY WAS STOLEN, I have a police report, I provided them with the timeline of ALL of my communications with Macys and a copy of the flyer that the sheriff 's office made public to help find the woman that stole my identity. I have had to get a lawyer involved because this has harmed my credit, my health and my general life due to all the added stress of dealing with the incompetence and lack of empathy from Macys. Now, after being told that they used the information I sent them to prove the fraudulent charges were in fact fraud, and receiving a letter from Macys stating that it DID prove the fraud charges on my account, I'm now being told they are going to hold me responsible for one of the fraud charges. This is absolutely unconscionable that they continue to harass me, attempting to collect a debt that is NOT mine, and continuing to destroy the credit that I have worked my whole life to keep exceptional. 
I want Macys held accountable for their egregious actions.

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 monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, I applied for financing through Bank Of America and BOA were unable to approve my request. When Bank Of America took action against my application, they provided me with a notice of the action taken against me on or around XXXX XXXX, but did not meet the requirements of the Equal Credit Opportunity Act when notification is required. In this matter, adverse action was taken against me due to my credit history. 

The ECOA requires disclosure of principal reasons for denying or taking other adverse action on an application for an extension of credit. Bank Of America only provided me with key factors that adversely affected my score, which does not satisfy the ECOA requirement to disclose specific reasons for denying or taking other adverse action on an application or extension of credit. Bank Of America is in clear violation of 12 CFR 202.9 ( a ) ( 2 ) ( i ) Furthermore, there were no principal reason ( s ) stated in my adverse action notice on my denial and I was not given an equal opportunity to credit. That constitutes discrimination. I did kindly request, XXXX XXXX XXXX, any information I may present that tends to indicate my credit history being considered by BOA does not accurately reflect my credit worthiness pursuant to the use of my credit history 12 CFR 1002.6 ( b ) ( 6 ). As a federally protected consumer, I have the right to be treated fairly and without discrimination during the application process.

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 2024-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have three accounts that doest belong to me and it states they are able to verify my social, date of birth and address. I need proof from these creditors that these account belong to me besides the three things i mention above I spoke with XXXX and this what information they provided XXXX  : open XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX balance open : XXXX XXXX XXXX XXXX  : {$1400.00} : open XX/XX/year> Capital one : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My school Loan of {$52000.00} was given a forbearance. I have repeatedly asked Nelnet to stop reporting the same payments two and three times effecting my debt to ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Please investigate this account this account belongs to 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 2024-06-05 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX financial Amazon credit card takes three weeks to process a check. Their statement only allows two weeks. They have charged me {$29.00} late fee for a payment they haven't processed. They want me to send them the cancelled check to prove I paid. But It hasn't cleared my bank.

I have previously paid by bank transfer to avoid a late fee, then two days later my bank receives the original so I end up paying twice. This has happened two times. This time I contacted them on the due date to challenge the late fee, but was told to wait. Two days after the due date I have been charged {$29.00} By the way, a check I mailed to XXXX XXXX on the same day cleared my bank 14 days ago.

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 monetary relief
Consumer complaint received 2024-06-05 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I went to XXXX XXXX to purchase a vehicle on XX/XX/year> I saw online the night before. If I liked the vehicle, my intent was to purchase. After test driving the vehicle, I discussed logistics with XXXX, my sales rep. I was adamant I did not want my credit run until clear understanding on payment, interest, etc. While my credit score at all 3 bureaus ranged between XXXX - XXXX, I was not concerned with getting the best APR available or being financed. My financials and debt to income ratio were also of no concern. Once agreeing on the payment and term details, I completed the application. Again, I was adamant not to hit my credit bureaus multiple times. They did just that, XXXX. I ended being approved, within {$2.00} of agreed payment and terms. I want these excessive inquiries removed from my credit report. It was not necesssary and now reflects negatively as excessive inquiries on my credit report. My credit score dropped XXXX points. 
My daughter is expecting and looking to purchase her first home, my intent was to help if and as needed ; however with this decrease in my credit, it has resulted in a burden and hindering ability. 
I also told the dealership I could reach out to my credit union myself for approval, to specifically avoid this. I am not happy on the excessive hit on my credit bureau in an attend on their tactics. 
I am requesting these excessive hard inquiries on my credit report be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Hello, We are in the process of a loan XXXX and partial claim with Rushmore services they have quoted us one term monthly price but sent out a letter on XX/XX/XXXX with another monthly price. I called and spoke with XXXX on Monday and she states to go with with price on the modi-cations documents, since working with this Leander I would prefer something in writing pertaining to this issue and before signing, I have sent documents to our Attroney for review. But this is very confusing as a home owner. I would like this investigated for myself and future clients. I do understand the interest rate has increase that is bad enough but to different quotes doesn't seem fair to me.

Company response to consumer: Closed with explanation