vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX, managed by XXXX, regarding an unacceptable experience I encountered while attempting to lease an apartment in XX/XX/year>. 

My partner and I previously leased through XXXX at another property for a year and a half without any issues. Therefore, we were surprised when our application for XXXX  XXXX did not receive immediate approval. Instead of the same-day approval we had previously experienced, we were informed that the process could take up to XXXX hours. Ultimately, it took XXXX weeks to receive a decision. During this time, we called several times to inquire about our application status, explaining our urgent situation since we had already given notice at our previous residence. 

Due to the lengthy approval process, we were forced to seek alternative housing and eventually found another apartment that could accommodate us in a timely manner. 

When we applied for XXXX XXXX, we paid application fees of approximately {$55.00} for each adult and a {$1200.00} deposit, which we were verbally assured was refundable. After deciding to withdraw our application, we were told by a staff member that our deposit would be returned. However, after several follow-up calls, the assistant manager stated that the deposit would not be refunded, citing that the previous staff member was new and not authorized to make such statements. 

We escalated the matter to XXXXXXXX XXXX XXXXXXXX  office, where we spoke with a representative who expressed concern over the situation and promised to follow up after consulting with her leadership team. Unfortunately, we never received a response. Despite making numerous attempts to contact XXXX XXXX, we were met with indifference and continued to be told that our deposit would not be refunded. 

To our dismay, we are now receiving emails indicating that we are being reported to collections for the {$1200.00} deposit, despite prior assurances of a refund. This has caused significant distress, especially as my partner 's bankruptcy filing has affected the reporting on this matter. I was only a secondary applicant and should not have been subjected to this collection issue. 

I believe the actions of XXXX XXXX  and XXXX  are not only unprofessional but potentially fraudulent. I am seeking your assistance in addressing this matter, specifically to have the collection notice removed from my record. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC
State: CO

Complaint narrative:
I placed an online order for a car after hours on Friday, XX/XX/year> and immediately changed my mind and canceled the order. The web site confirmed that the order was canceled and even warned me that the car would then be available for sale to anyone else. The following Monday morning, XX/XX/year>, I logged into my checking account to find a pending debit of over {$24000.00} for XXXX. The only means to contact the company is via online chat, which I initiated right away. They repeatedly stated they can not cancel the order and I repeatedly asked that they escalate the issue to senior management. They eventually stated they canceled the order but could not cancel the transaction until it " clears '' and it could be XXXX days. I had my bank place a stop on the transaction and informed the XXXX chat that the transaction would not clear. Nothing was resolved during that chat and, as of this evening on XX/XX/XXXX, the transaction is still pending and no word from XXXX. Because of this, all of my checking account funds are stuck in this pending transaction that should never have taken place to begin with and certainly should not take XXXX days to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : l C SYSTEM, has violated my rights. 

I looked at my trans union score on XX/XX/XXXX and noticed something are incomplete and not accurate. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NJ

Complaint narrative:
Parent Company : XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX, Illinois, XXXX Phone Number : ( XXXX ) XXXX Contact : XXXX XXXX. XXXX Email : XXXX Property XXXX : The XXXX at XXXX XXXX Address : XXXX XXXX Way, XXXX XXXX, NJ XXXX Phone Number : ( XXXX ) XXXX Contact : XXXX XXXX Email : XXXX This complaint is reference to a recent collections account posted on my credit report via XXXX. The property manager, The XXXX, posted a debt in my name, did not notify me of the debt, then proceeded to sell the debt to a recovery firm named Rent Recovery Solutions. I have taken steps to dispute the account on my report as well as file complaints for consumer fraud with the NJ State Attorney General 's office. If this account is not removed from my credit report within 30 days, I will proceed to file a complaint for identity theft with the NJ State Police and FTC. I am happy to provide further information upon request. Thank you in advance for any assistance provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I called and requested that the remove these unknown inquiries. I also provided them with my FTC report from 2022 and updated report from this year in XXXX showing I have been a victim of identity theft after being robbed at XXXXXXXX XXXX  They have removed any of the inquiries.

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 2024-12-17 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Open XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1100.00} Status Open XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00} Status Open XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed FCRA violations : account not mine XXXX XXXXXXXX XXXX {$1400.00} Date opened XX/XX/XXXX FCRA violations : inquiries not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until 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 2024-12-17 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: OK

Complaint narrative:
I am seeking your assistance with a false account appearing on my credit report. This matter has harmed my reputation as a customer, and I need your support. I want these accounts removed as they are incorrectly and negatively reported.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My primary checking account with Bank of America got comprimised on XX/XX/year>. First it was started with unauthorized ACH transactions and later with a deposists of fraud checks have been issued with my account number, routing no and address. As soon I received the alert on my mobile, I have notified the Bank. Additionally, I requested the bank to impose freeze on my account to prevent future fraud transactions. However the bank is failed to this date able to stop fraud checks being cashed out. I have spoken to many associates, including visiting the local branch to make this complaint. I am also ready to close this account, therefore I do not have to deal with these security incidents, but the bank is refusing to close the account due to negative balance. Since, the fraud checks are deposited using mobile deposits daily, I am not able to maintain my account with a positive balance that I will enable to close the affected account. It seems the bank do not have a mechanism to stop checks being cashed out although there is a freeze on the account implemented since XX/XX/year>.

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 2024-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Good evening : My name is XXXX XXXX. On XX/XX/year>, you have to add a person to your XXXX  contacts. I was provided with the incorrect information. As the monies were being sent out. My bank ( Chase ) sent me an email canceling the transaction and the monies will remain in my account. A few minutes afterwards, Chase allowed the transaction to process with the different name listed on the account. The monies ( {$700.00} ) were supposed to go a one recipient and there was a different name on the account. I contacted Chase regarding this transaction, and they took up to 5 days to review. Chase claims department reviewed my claim and didn't allow me to provide my documentation of the transaction being denied and then later letting the transaction to process. Chase sent me a letter stating they are closing my claim without further review. I called Chase last week to have my reopen for further review along with my documentation. The rep that I spoke with was supposed to open my claim and he did not do so. I called again today, to speak to a different rep regarding the reopening of my claim. Apparently, my claim wasn't reopened. I was able to have my claim reopened with the appropriate documentation that was needed for further review. I would like for my {$700.00} to be return to me immediately. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Good morning, I use online bill-pay with my Bank, XXXX Bank XXXX who sends payments either electronically or by check to pay my bills. The last XXXX billing cycles I have paid my credit card bill ( early ) and the check or payment was delivered before the due-date ( confirmed with my bank delivery date ( XXXX ) ) but Citi Bank has applied them after that date and charged me late fees and interest payments. 

I spoke with Citi Bank Credit Card a few times and they said they do not use the post-marked date of the check : it is effective the date they process the payment- this has caused late fees and interest charges I've incurred when I've paid my credit card bill in full ( or more than full ). 

example : I paid my XX/XX/XXXX balance in full and it was delivered XX/XX/XXXX ; it was due XX/XX/XXXX- they processed payment on XX/XX/XXXX and issued me a late fee and interest charges. 

I paid my XX/XX/XXXX balance in ( more than ) Full and it was sent by my bank on XX/XX/XXXX, delivered XX/XX/XXXX and has still not been applied. I checked today, XX/XX/XXXX and I have interest charges showing due to my payment not being applied. 

I called to speak to Citi and they said they are aware of it, but they couldn't do anything regarding the interest charges at this time because my payment has not been posted/applied.

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 2024-12-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-17 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-17 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: NC

Complaint narrative:
I always pay on time. I am sure of this. What I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b, any billing error should be corrected and updated to " paid as agreed. ''

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 2024-12-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I always pay on time. I am sure of this. What I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b, any billing error should be corrected and updated to " paid as agreed. ''

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 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
Daughter passed away XXXX was paying on time had great job no problems. 
XXXX XXXX present. tried to make arrangement but didnt have a stable job. the calls kept coming. One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
I am submitting this formal complaint to address inaccurate information being reported by the credit bureau regarding my account. Specifically, I have been charged twice for the same account, leading to incorrect balances and amounts being reflected on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information and expect a prompt and thorough reinvestigation. 

I have made several attempts to resolve this matter directly with the credit bureau, providing all necessary evidence to demonstrate the duplication and inaccuracy of the reported information. Despite my efforts, no remedy has been provided, and the inaccurate reporting persists. This failure to address the dispute violates my rights under the FCRA. 

The incorrect reporting of this duplicate account is adversely impacting my credit standing, and I request immediate intervention from the CFPB to ensure the credit bureau investigates and corrects this error in compliance with the law. I have attached supporting documentation, including correspondence with the credit bureau and evidence of the duplication, for your review. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. Please let me know if any additional information is required.

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