vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Axela Technologies, Inc
State: VA

Complaint narrative:
In XXXX I had to have XXXX for XXXX. As unit owners we were to pay an additional {$400.00} per year to our property manager/HOA. This is for our reserve account. I could not pay in XXXX or XXXX and made the management company aware of such. On XX/XX/XXXX I made full payment and restitution for the years XXXX, XXXX, and XXXX in its entirety. Again, the XXXX payment was made for the ENTIRE year of XXXX and the payment was made in XXXX of that year. Unfortunately, the property management company continued to bill me each quarter at {$100.00} per quarter. The property management company charged me over {$300.00} for XXXX quarters of reserve payments already paid in full in XX/XX/XXXX. They then began imposing late fees on those charges. Subsequent to a complaint and my pointing out to them our bylaws demand an annual audit, they turned these false charges into a collection agency of Schwartz Vays, XXXX, Florida and accelerated my HOA fees for the remainder of the year. This happened in XX/XX/XXXX. This action was taken out of retaliation and they keep reminding me I have no rights within the XXXX community due to these false charges and have I can not vote at our meetings until the debt is satisfied. I have hired an attorney and we are pursing every legal action necessary for this to be resolved.

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 2024-12-01 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: CT

Complaint narrative:
I sent certified mail to the Credit reporting agency to investigate incorrect, invalid, and impermissible information pertaining to my credit report regarding a XXXX  XXXX account with the account number - XXXX. After conducting a full investigation I was told the referred account has not been changed and will remain on my credit report. Earlier this year I made a complaint to the CFPB about this same company furnishing all of this invalidated data without my written consent. I, The consumer should be protected under SECTION 15 United States Code 1681 in its entirety. The negligence to uphold these standards and willful non compliance to maintain accurate reporting is extremely disheartening as it is very damaging to my reputation causing me extreme stress, XXXX XXXX, and making it very difficult for me to maintain financial stability. I have attached proof to validate my claims. Please investigate this matter immediately. Thank you for your time.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I was involved in a car accident in XXXX when a drunk driver rear-ended me in XXXX, Georgia. The case was handled by the XXXX XXXX XXXX under case # XXXX. As a result, my car was totaled, and the responsible party 's insurance, XXXX XXXX represented by XXXX XXXX, assured me they would pay off the loan for the car. However, later I discovered that the insurance company did not settle the entire outstanding debt, which came as a surprise to me. 

In addition, I promptly purchased a replacement car from the same dealership, with the same lender and make of car. I usually make my monthly car payments through the Kia Finance app. In XXXX, when I went to make a payment for the new car, I noticed that the old account ( ending with XXXX ) had been closed with a balance of {$0.00}. I continued making regular monthly payments for the new car. 

The lender claims they tried to contact me in XXXX to settle the remaining amount left unpaid by the insurance company. However, I never received any communication from them. I use a XXXX mailbox, which can sometimes lead to mixed-up correspondence. At this point, the amount for the old account was still showing as {$0.00} on my app, and I was still consistently paying for the new car. 

Due to the unpaid amount, the lender reported the account as a charge-off to the credit bureaus, negatively impacting my credit score. In XXXX, both the dealership and XXXX XXXX informed me about this issue. I then checked my credit score and saw that it had dropped from XXXX to XXXX. The dealership provided the necessary information to my GAP insurance, and in XXXX, the insurance sent a check to clear the remaining balance. The amount was paid off with the GAP insurance I had purchased when buying the car. 

The problem is that the charge-off is still showing on my credit report, continuing to have a negative effect on my credit score. This negative mark will stay on my report for 10 years.

My investment business heavily relies on my credit score, and this issue has impacted my ability to borrow money. If not resolved, it will continue to affect my business for the next 10 years. I am currently in the process of asking the lender, Kia Motor Finance, to remove the charge-off from my credit report. Despite my efforts, they are unwilling to do so. I have filed a dispute to address this issue and am also considering legal options to resolve the 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 2024-12-02 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: MA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
Dear CFBP, I am disputing the collection account reported by Columbia Debt Recovery. The information is inaccurate for these reasons : Invalid Lease Signature : The lease does not have my legitimate signature. I sign in XXXX, as shown on my ID, making this signature fraudulent. 
Unsubstantiated Move-Out Fees : Cleaning and painting fees lack evidence. The property was thoroughly cleaned, and no photos or inspection reports were provided to justify the charges. 
Incorrect Rent Charges : I vacated the property on XX/XX/XXXX, yet am being billed for XXXX XXXX. This is incorrect and unjustified. 
I request verification of this account or its removal from my credit file per the FCRA. Supporting documents, including my ID and move-out records, are available upon request. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX shows a charge off of {$220.00} and LVNV funding shows a collection for the exact same charge off. I have requested both companies to remove this as it is a duplication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I filed an FTC complaint ; the FTC Report Number is : XXXX I do not authorize incorrect information on my credit report. This includes but is not limited to hard inquiries. The hard inquiries that are appearing are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I filed an FTC complaint ; the FTC Report Number is : XXXX I do not authorize incorrect information on my credit report. This includes but is not limited to hard inquiries. The hard inquiries that are appearing are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a tenant name is XXXX. He sent me {$2500.00} per month for the rents. On our contract, it always XXXX. XXXX he sent me additional {$700.00} which I tried to return to him through XXXX XXXX But accidentally I made the mistake on his phone number last 3 digit XXXX which should be XXXX. So I sent the wrong person {$700.00}. I called BANK OF AMERICA immediately. They knew I sent a wrong person for sure from my records of my checking account. I filed a complaint but they said they can do nothing. I dont feel I was secure enough from this service.

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 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX XXXX XXXX fraudulent charges totaling {$900.00} were made on my Bank of America credit card. This card had been inactive for over 1 year, with my last authorized charges occuring in XXXX of XXXX. I noticed these fraudulent charges when my credit monitoring through XXXX XXXX  alerted me to an otherwise inactive account becoming active. On that day, I locked my card and attempted to report the fraudulent charges through the app, however, the app would not allow me to report the charges as fraudulent and notified me that I would need to call the fraud center during business hours. On XX/XX/XXXX, I spoke to the fraud center and reported all of these charges as fraudulent. During that conversation, I noted that I was still in possession of my physical credit card. On XX/XX/XXXX, I received a notice that my claim was denied because the company determined that my physical card was used to make the purchased, and all charges were reinstated on my account. On that same day, I spoke with a banker in person at a Bank of America branch. The fraud department was closed on that day due to it being a holiday weekend, so we were unable to reopen my claim. However, when talking with the banker, we determined that the card I had in my possession had actually expired in XX/XX/XXXX, and I do not have in my possession a new card that was issued at that time. On XX/XX/XXXX I called and spoke with a representative from the fraud department to update them with this information and re-open my claim. I was told at that time that the claim was re-opened. During this process, a new card had been mailed to me ; I never activated this card or unlocked my card through the app. However, on XX/XX/XXXX, XXXX new charged were noted as " pending '' on my account. On XX/XX/XXXX I spoke to the fraud department to report these charges as fraudulent as well and request an update on my original claim for {$900.00}. The new claim was started ( and a temporary credit issued to my account ), but I was told there were no updated on my original claim. All charges made to this account in the year XXXX are fraudulent and in no way authorized by me.

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 2024-12-01 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: NY

Complaint narrative:
Please delete these fraudulent accounts within 4 days pursuant to Section 605B Account in Dispute : XXXX XXXX  Account Number : XXXX Reported Balance : {$1300.00} Account in Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$35000.00} Account in Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1300.00} Account in Dispute : XXXXXXXX XXXX XXXX Account Number : XXXX Reported Balance : {$120000.00} Account in Dispute : XXXX XXXX  Account Number : XXXX Reported Balance : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Essential Lending Inc
State: SC

Complaint narrative:
I was denied for this loan and did not receive the funds, however this company still removed money out of my checking account and reported to credit bureau. Please remove from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX  Account number XXXX has been reported as a victim of fraud. attached is a copy of my credit report rcra 605B proof of identity and FTC Report Number : XXXX you are legally required to block/ delete these accounts within 4 days of recieveing this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal credit Union is not taking payments on time. Which they are increasing their interest rate and fees. Moreover, they are violating the agreement of my accounts. They are routinely reporting negative information on credit profile. A violation of the credit laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the specific issues with this account : 1. Late Payments Reported on a Closed, Paid Account : Despite the account being marked as Closed with a {$0.00} balance and Current payment status, the payment history includes multiple 30-day late marks. If the account is paid and closed, late payments should not persist unless accurate and verifiable.

2. Inconsistent Comments Across Bureaus : TransUnion : Closed. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Closed or paid account/zero balance XXXX. 
These comments are inconsistent and may mislead lenders about the resolution of disputes. 
XXXX. Failure to Properly Update or Resolve Disputes : Dispute-related comments remain on the account, even though it has been resolved and paid. This suggests a failure to update the status, violating the FCRAs accuracy standards. 
4. Inconsistent Reporting Across Bureaus : Minor discrepancies in dates, such as the Date Last Active and Last Reported dates, differ slightly among the bureaus. While this might seem minor, it reflects a lack of synchronization.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The inconsistencies in comments, late payments, and reporting dates violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes have been filed and inaccuracies persist, the credit bureaus may have failed to investigate and correct the errors properly. 
3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have furnished inaccurate or misleading information regarding payment history and dispute resolution. 
4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they should not appear on the report.

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 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the specific issues with this account : 1. Late Payments Reported on a Closed, Paid Account : Despite the account being marked as Closed with a {$0.00} balance and Current payment status, the payment history includes multiple 30-day late marks. If the account is paid and closed, late payments should not persist unless accurate and verifiable. 
2. Inconsistent Comments Across Bureaus : XXXX : Closed. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Closed or paid account/zero balance XXXX. 
These comments are inconsistent and may mislead lenders about the resolution of disputes. 
XXXX. Failure to Properly Update or Resolve Disputes : Dispute-related comments remain on the account, even though it has been resolved and paid. This suggests a failure to update the status, violating the FCRAs accuracy standards. 
4. Inconsistent Reporting Across Bureaus : Minor discrepancies in dates, such as the Date Last Active and Last Reported dates, differ slightly among the bureaus. While this might seem minor, it reflects a lack of synchronization.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The inconsistencies in comments, late payments, and reporting dates violate this requirement. 
2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes have been filed and inaccuracies persist, the credit bureaus may have failed to investigate and correct the errors properly. 
3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have furnished inaccurate or misleading information regarding payment history and dispute resolution. 
4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they should not appear on the report.

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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA has a debit of {$610.00} on my credit report, I have no idea who this is or the debt. I requested information to prove this was me and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom you make concern I have contacted ALL companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told. 
That these accounts were removed from my credit report.Because they are fraudulent accounts.I have not given no one.My personal information nor have I signed up for anything online. I am a victim of identity fraud. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-01 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation