vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX # : XXXX Original Principal : {$2200.00} Interest Due : {$5.00} Amount Received : {$700.00} ( XXXX as of XX/XX/2024 ) Total Due : {$1600.00} ( " XXXX '' ) We both know of every violation you continue to practice but I will break it down and explain for sake of this complaint. Also, for more proof please see all my emails sent & ignored to you & XXXX from XXXX XXXX. You contacted me via email XXXX. You threatened me with a negitve credit reporting & forced me into a payments plan EVEN after I advised that I'm taking this to court with them as soon as I can actually contact them & I sent proof line by line of why the amount " owed '' is completely inaccurate with all their violations XXXXYou ignored all of my contacts with you ( see some attached proof + emails + recorded calls ) XXXX. More than likely you are a XXXX party agency and you are collecting a " debt '' you already paid for In hopes to recoup your money AND you have added intrest which is a violation enough to have it removed from my report if it were to be added on XXXX. The orginal company told me I had until XX/XX/2024 to make arrangements or dispute but less than a week after that correspondence in XX/XX/2024 your company had my file and was demanding payments, you not only violated the notice you just gave & ignored my disputes but you allowed them to as well which it's your DUTY to verify all cost & agreements BEFORE collection XXXX. I requested via certified mail ORGINAL agreements between me & you & you and the orginal creditor before the arrangement was set, and proof via mail with signature after incase I pay & you still try to collect and you denied me saying it's not possible. 
XXXX.I have no orginal copy of my promissory note nor POA Just to name a few ... per FCRA, CFPB, etc etc the usual violation remedy amount is XXXX XXXX per violation you are already at XXXX XXXX  trying to collect less than XXXX. Let 's not draw this out because I have over XXXX emails, XXXX recorded calls, and proof of unlawful payment. You should be ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CT

Complaint narrative:
DEAR XXXXDept of Education On XX/XX/XXXX I was denied a credit card based on this reason. " EXTREME DEBT TO INCOME. '' XXXX ) The primary reason of the Adverse Action Notice was based on my student loan debt. The debt listed on my credit report is from the student loan servicer XXXX. 

XXXX ) The account listed is " Deferred until XX/XX/2025 '' XXXX ) When XXXX pulled my credit report from TRANS UNION. The student loan debt generated HIGH DEBT TO INCOME causing denial. 

XXXX ) This dispute alleges XXXX of " inaccuracy and compliance issues '', defective and erroneous interest compounding and abatements. 

XXXX ) The information generated from " TRANS UNION '' including the " reason codes '' and or " risk scores '' or any prejudice contained in the report. 

XXXX ). The failure to use a manual review for the extension of credit. 

XXXX ). Failure to use recommended " Debt to Income Ratio '' calculations or other assessments of applicants ' creditworthiness, and persons with student loan debt.

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 2024-04-23 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: UMB FINANCIAL CORPORATION
State: CT

Complaint narrative:
DEAR XXXX XXXX XXXX XXXX XX/XX/XXXX I was denied a credit card based on this reason. " EXTREME DEBT TO INCOME. '' XXXX ) The primary reason of the Adverse Action Notice was based on my student loan debt. The debt listed on my credit report is from the student loan servicer XXXX. 

XXXX ) The account listed is " Deferred until XX/XX/year> '' XXXX ) When XXXX pulled my credit report from XXXX XXXX. The student loan debt generated HIGH DEBT TO INCOME causing denial. 

XXXX ) This dispute alleges XXXX of " inaccuracy and compliance issues '', defective and erroneous interest compounding and abatements. 

XXXX ) The information generated from " XXXX XXXX '' including the " reason codes '' and or " risk scores '' or any prejudice contained in the report. 

XXXX ). The failure to use a manual review for the extension of credit. 

XXXX ). Failure to use recommended " Debt to Income Ratio '' calculations or other assessments of applicants ' creditworthiness, and persons with student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have called numerous times for an investigation as to whose bank account got added to my credit card. I finally got Citi bank to remove it but they seem to have trouble initiating an investigation. I keep getting passed back to customer service then Im told they can not hear me. They passed me to a few representatives on XX/XX/year> stating they can not hear me. However, over the course of 7 months I have asked for an investigation nearly monthly. I call in my payments and every month they ask if I want to use a bank account that is not me. Every month I ask where did that come from that is not mine. I ask every time for an investigation. I have never received information on how that back account was added to my credit card.

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 2024-04-23 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: DE

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX, we received notice that our loan had been sold from XXXX XXXX XXXX to Regions Bank. We logged into Regions Bank and setup account. After setting up the account we setup an auto draft and also setup estatements. Since mail is very bad in our area. Figured this would take care of things and didn't think about it. Then in XXXX we get a notice that our account is past due from XXXX XXXX XXXX XXXX. So, we tried to login but of course our password didn't work. Region 's doesn't have hours during the week after XXXX or hours on the weekend. It's also not possible to reset the password online, at least we tried and it kept saying we were entering incorrect information. We finally were able to get in after a call to them. They denied we ever setup autopay in that call and acted liked we were stupid that a regular payment was in XXXX area of the website and auto draft was in another area of the website. Of course we knew that already, because we can navigate a website. Since, are login in XXXX the auto draft is actually unavaillabe unlike it was in XXXX. In the response, to my husband 's complaint they also said they attempted to call us on multiple dates. Not sure what number they called, but no messages were left. Probably, just an autodialer system where their agents hang up instead of letting the call go through. We signed up for estatements in XXXX, we have yet to receive we have never received a text or an email regarding payment from Regions Bank. When we regained accesss to the website in XXXX, we also re-enrolled in estatements. Still haven't received an " estatement ''. This company clearly has outdated technology that doesn't work or maybe they are XXXX against XXXX. This is common issue with southern people where the majority of this bank is housed. I am a XXXX and this is the first home I have owned, albeit with my husband. XXXX are often discrimated against in the XXXX and it goes under the radar, because XXXX feel that they are the only race that suffers from systemic XXXX I have built my credit since emigrating from XXXX in XXXX of XXXX  and with XXXX lie this company has wiped XXXX points off my credit and it just isn't right.

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 2024-04-23 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:
According to 15 US Code 1681b Permissible purpose of consumer credit reports ( a ) In general # Permission in writing : Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of the court having jurisdiction yo the issuesuch a order, a subpoena issued in connection with proceedings before a federal grand jury or a subpoena issued in accordance with section 5318 of title 31or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-04-23 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: GA

Complaint narrative:
According to 15 US Code 1681b Permissible purpose of consumer credit reports ( a ) In general # Permission in writing : Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of the court having jurisdiction yo the issuesuch a order, a subpoena issued in connection with proceedings before a federal grand jury or a subpoena issued in accordance with section 5318 of title 31or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
I discovered this company ( Affirm , Inc. ) had been reporting multiple negative installment loan accounts on my credit reports when I obtained my credit reports in late XXXX XXXXXXXX XXXX XXXXXXXX, following my denial of favorable auto loan financing in XXXXXXXX XXXX XXXXXXXX with an auto lender. Subsequent to discovering these fraudulent accounts, I immediately alerted the the company each of the credit bureaus, the FTC and filed identity theft reports with my local police department. I contacted this company by telephone multiple times and spoke at length with several different representatives from their internal Fraud department to file a complaint and learn more information about the details of the nature of the company and how the fraud was able to transpire. Each representative I spoke with asked me a series of security questions such as my phone number, email address, bank account numbers, SSN, DOB, and other personal information and informed me that their conclusion was that the accounts were indeed opened by someone else who had been using my identity, but different contact and banking information. I was provided a report number and informed that an internal review of their findings by a higher department would be concluded within 3-5 business days and that I should expect to see these accounts deleted from my credit reports " very soon. '' That was over 45 days ago and I have yet to receive any communications from this company and these fraudulent items are still reporting on my credit reports. I also received communication from the credit bureaus via updated credit reports around XX/XX/XXXX, stating that this company had initially certified to the credit bureaus that these accounts were being reported accurately despite my initial request to the bureaus that this information be blocked due to being the result of identity theft, which also further violated my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, while reviewing my TransUnion credit report, I discovered a XXXX XXXX  with an outstanding balance of {$100.00} for XXXX XXXX. I paid the balance. Please find attached proof of payment. This debt was related to insurance for a vehicle that I no longer own. I promptly contacted XXXX about the issue, but they told me to contact XXXX. I contacted XXXX, and they agreed to remove the collection from my credit report if I paid the balance due. However, they never notified me that the account was in arrears in the first place. 

Despite my efforts, the credit bureaus have not deleted the collection from my credit report. I have attempted to dispute the issue with all three bureaus on three separate occasions. 

It is important to note that as of XX/XX/XXXX, Regulation F has implemented the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to contact consumers before reporting a debt to the three major credit reporting agencies. This contact can be made in person, by phone, or through mail or electronic message. Additionally, the debt collector must wait at least 14 consecutive days to see if a notice of undeliverability is returned after contacting the consumer.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-23 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: CT

Complaint narrative:
I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$XXXX for each incorrectly reported item on my credit file.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This is for a Bank of America credit card. 
The amount shown on the bank of america app is often times not the amount that you have actually spent on your account. I believe this is to mislead and get customers to spend more money than they typically would be comfortable doing. It's only when you click further into the app that you realize that you've spent a lot more than the amount that you see when you first open the app. It took me a while to realize this and if I had not caught it I would be paying interest for no reason. Someone with less experience using credit cards would easily fall into this trap. I have attached 2 screenshots below that will show the dashboard of my app account showing my account balance as {$140.00}, but when you dig further into the account you see the balance is actually {$160.00}.

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 2024-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-23 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: CT

Complaint narrative:
I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-23 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: CT

Complaint narrative:
I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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