vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: EQUIFAX, INC.
State: TX

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. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: GA

Complaint narrative:
I am a victim of identity fraud. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The thief also acquired multiple inquiries that I did not authorize at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

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 2024-10-19 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
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: GA

Complaint narrative:
On XX/XX/XXXX I reviewed my consumer report and noticed adverse items being furnished by Genesis Credit Management LLC for alleged debts in the amounts of {$3800.00} & {$1100.00}. As of XX/XX/XXXX, Genesis Credit Management LLC has been notified at the address specified in Exhibit ( A ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

Genesis Credit Management LLC never notified me prior to furnishing the alleged debts or ANY correspondence/communication in regards to the alleged debts. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Genesis Credit Management LLC must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until Genesis Credit Management LLC sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and Genesis Credit Management LLC has strict liability and must comply with all statutes and regulations set forth. Genesis Credit Management LLC has failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX XXXX XXXX shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - Proof of Claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I discovered that there were multiple inaccuracies on my credit report, which I believe are preventing the credit bureau from issuing me a score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I discovered that there were multiple inaccuracies on my credit report, which I believe are preventing the credit bureau from issuing me a score.

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 2024-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My husband and I have the XXXX XXXX credit card through Capital One that is advertised as best for travelers, where you can get low rates for travel, and discounts on travel purchases. On the phone, their rep said these exact words when you book flights through them better rates and we have lower rates than the airlines websites. This is NOT true as we just experienced. 

I booked flights for us on XX/XX/XXXX via the Capital One travel rewards website. Using our points on one booking, the price of a flight on XXXX XXXX went from {$3200.00} to {$3100.00}. The other booking did not use points and was {$3300.00}. 

A day later, a friend was looking for the same flight but went directly to the airlines website. She found the exact same flight ( same time, same flight number, same day of week, same route, same class of service ) for {$2100.00} per person and called me. 

I feel SICK that we spent {$1000.00} more on each ticket going through Capital One Travel. I called them and they give you the runaround saying prices fluctuate, etc. etc. I could see {$100.00} difference here or there, but not {$1000.00} per ticket which is outrageous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I purchased and paid in full a pair of pants from the company XXXX XXXX, order XXXX, placed on XX/XX/XXXX, for {$260.00}. I received the pants in late XXXX and decided to return them to the merchant. The merchant approved the refund and issued the refund, in the amount of {$220.00}, back to my original form of payment, which was Affirm. The card I used to make payments to affirm, ending in XXXX, had been compromised late XXXX and I received a new card. Affirm is actually culpable in my information being compromised, but thats not my complaint. My complaint is that I havent received my refund, even though the new card has been added. They refuse to respond and provide me MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I originally took out a 25-year, fixed-rate loan with GoodLeap ( GL ) for the purchase of our solar panels. The loan originated in XXXX  with our first monthly installment auto-deducted on XX/XX/XXXXXXXX  ( all term payments are auto-deducted ). 

The monthly payments were fixed at {$82.00}, contingent on us as the borrowers reaching our 'target loan balance ' by the scheduled due date. My wife and I met the target loan balance several months ahead of schedule. The target loan balance was an accelerated paydown balance reached by applying the anticipated government-issued solar panel tax subsidy towards the outstanding principal loan balance. This Target Loan Balance and date can be seen on the Account Summary Page attached. 

On XX/XX/XXXX, I received our new billing statement from GL ( for our XX/XX/XXXXXXXX  payment ) and noticed the term payment increased to {$84.00} ( an increase of {$2.00} ). This was a large increase, but I called GL to understand what caused the increase as we are on a fixed-rate loan and we were well under our target loan balance. The rep agreed my payment should have increase due to those factors, but had no explanation for the increase. The rep took my contact info and stated they would have someone get a hold of me to explain the change and/or correct it. 

On XX/XX/XXXX, GL management got involved and XXXX XXXX ( Loan Servicing Supervisor ) has sent me periodic emails stating they are working with their Investigations team to identify the issue - no results provided. 

On XX/XX/XXXX, XXXX stated they believe their Engineering team has identified the problem for the different payment amounts and are working on a solutions to resolve all loans affected - no results provided. The last email received from XXXX ( GL management ) was on XX/XX/XXXX stating they are still reviewing my account and expect a resolution shortly. 

This issue is not the increased amount itself, as it is marginal. The issue is GoodLeap management notated there is an issue, it has potentially affected more loans than mine, and there has been no resolution or explanation of the issue for over six months now.

If the extra {$2.00} being charge to my account every month is going towards our outstanding principal amount, that's fine. However, if the extra {$2.00} is some random glitch, or worse yet- some insidious scheme, and hundreds or thousands of borrowers are being overcharged, then there's a serious issue. 

I have billing statements, documented emails, and a communications log created to track our emails with GL to show a timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A fraudulent checking account was opened in my name on XX/XX/year>XXXX  with Chase bank. I received 3 emails, one alerting me that I have opened an account, the next telling me a new device as been used to access the account, and a third telling me that my email address has been changed. 

I immediately contacted Chase about the incident and they have put a freeze on the 'account '. According to them, not transactions have occurred, but they did confirm that my Name, Address, and Social Security number had been used to set up this account. 

I can provide emails and any other information as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Notice of Inaccurate Reporting Request for Investigation and Removal under FCRA To Whom It May Concern, I am writing to dispute inaccurate information that is currently being reported on my credit report. This incorrect information is adversely affecting my credit score, standing, and reputation. Under my rights outlined in the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I request that you conduct a reasonable investigation into this error and remove the following account from my credit report as it does not meet the standards of accuracy required by law : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) The FCRA requires that you assure maximum possible accuracy of information in consumer reports [ 15 U.S.C. 1681e ( b ) ]. This account, as listed, is inaccurately reported as a Collection/Chargeoff and contains erroneous information about the original creditor. Additionally, the account details indicate that this issue negatively impacts my creditworthiness, thereby causing undue harm in my efforts to secure financial stability and build my familys legacy. 
The following inaccuracies were found : Account Type : Collection Account Status : Derogatory Balance : {$1000.00} Date Opened : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Payment Status : Collection/Chargeoff Legal Rights under FCRA : Under 15 U.S.C. 1681i, you are obligated to perform a reasonable reinvestigation of disputed information within 30 days of receiving my request, and I expect a full investigation of this account to determine its accuracy. Furthermore, under 15 U.S.C. 1681c, any account involving collections must meet specific reporting standards, which I believe this account does not satisfy. 
If your investigation does not confirm the accuracy of this item, you are required to delete it from my file. I also request that any necessary changes be reported to all credit reporting agencies, including XXXX and XXXX, to reflect accurate data across all platforms. 
If the investigation does not result in deletion, I reserve the right to include a statement of dispute on my credit file, per 15 U.S.C. 1681i ( b ), and to pursue additional remedies under the FCRA, including potential civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and negligent noncompliance [ 15 U.S.C. 1681o ]. 
Please forward any written communication or updates regarding this matter to my address listed below. 
Thank you for your time and prompt attention to this dispute. I look forward to your resolution within the statutory XXXX window. 
Sincerely,

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 2024-10-19 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: IL

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.

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 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 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 2024-10-19 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: LEXISNEXIS
State: IL

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.

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 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 to any 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 2024-10-19 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: FL

Complaint narrative:
Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXXXXXX 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 2024-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I have used COINBASE for the past several years. Starting XXXX of XXXX, I have been consistently blocked from login screen. When I request for password reset, the system does not send me any emails, nor does it send me 2Fa verification code to my registered phone number. I have attempted to call their phone service which directs me to login to the site..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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