vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-02-29 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: NY

Complaint narrative:
Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. The previous month as well as the month prior. Since I thought the article was not being reported lawfully, I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your side to give you another 30 days to comply with my initial request

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 2024-02-29 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:
This is a case of identity theft this company obviously dont understand the meaning if some one use your information its going to appear to you this company is trying to convince me of phone calls I have not heard I would love to hear to calls to try to pin points this person as if they have money voice recognition on file I have attached the official police report and ftc report as I should Im asking this company to discontinue with there mock half investigation and remove this from my account nothing you are providing connects back to me my address or phone number

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: DE

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification if in fact you believe I received proper notification please provide the certified mail with my signature on there stating that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Dear CFPB, I am writing to lodge a formal complaint against XXXX XXXX XXXX / XXXX concerning my 2015 XXXX XXXX 4D Hatchback, Upon purchase, I was presented with a sale price that has since felt misleading and exorbitant, as detailed in my declaration paper. Furthermore, the vehicle has proven to be mechanically unsound, culminating in a complete engine failure just two weeks after purchase, rendering the car unsafe and undrivable. 
Given the severity of these issues, which directly contravene the assurances of safety and reliability I was provided at the point of sale, I am seeking an intervention from your office. I request a thorough investigation into the dealership 's practices, and I am looking for either a full reimbursement for the car or the return of my down payment. 
I am prepared to provide any necessary documentation upon request. 
Thank you for your attention to this matter. 
Sincerely, 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 2024-02-29 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: NY

Complaint narrative:
Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. The previous month as well as the month prior. Since I thought the article was not being reported lawfully, I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your side to give you another 30 days to comply with my initial request.

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 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquires was unauthorized

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 2024-02-29 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: Self Financial Inc.
State: NC

Complaint narrative:
This is a case of identity theft this company obviously dont understand the meaning if some one use your information its going to appear to you this company is trying to convince me of phone calls I have not heard I would love to hear to calls to try to pin points this person as if they have money voice recognition on file I have attached the official police report and ftc report as I should Im asking this company to discontinue with there mock half investigation and remove this from my account nothing you are providing connects back to me my address or phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: LA

Complaint narrative:
I have no knowledge of this account. This is not my account!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: LA

Complaint narrative:
I have no knowledge of this account. This is not my account!!

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 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Never received written notification of the debt from the agency.

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 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX, I was paying them the amount to settle my account. I even have a letter they sent of the payments I was making to get it settled. For some reason, after I paid the amounts they wanted me to pay they never sent letter saying it was paid in full. Instead they sent to another XXXX XXXX agency. I even talked to company rep and he said a letter saying it was paid in full was enroute in the next XXXX business days. I never heard from the company again. Im still waiting on a letter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ON OR AROUND XX/XX/year> I ORDERED A BEDROOM SET FROM XXXX XXXX XXXX XXXX LOCATED XXXX XXXX XXXX XXXX XXXX XXXX IN THE TOTAL OF ALMOST {$8000.00}. I ORDERED A FOAM PILLOW TOP MATTRESS WITH THE BEDROOM SET I WAS TOLD BY THE FURNITURE STORE AGENT THAT I WOULD RECEIVE MY BEDROOM SET IN THREE WEEKS TIME ON OR AROUND XXXX XX/XX/year> TWO DAYS LATER AFTER I PLACED THE ORDER I CAME HOME AND SAW TWO SMALL BOXES ON MY PORCH I CALLED THE STORE TO FIND OUT IF THEY MADE A DELIVERY THEY TOLD ME YES I ASKED WHAT WAS IN THE BOXES THEY INFORMED ME IT WAS THE MATTRESS AND THE BACK SPRING SUPPORT WHEN I OPENED THE BOX I SAW A COIL SPRING MATTRESS BUT I ORDERED A FOAM PILLOW TOP MATTRESS I RELAY THAT INFORMATION TO THE STORE AGENT HE TOLD ME IT WAS ALMOST CLOSING TIME AND I SHOULD CALL BACK ON MONDAY WHEN I CALLED ON MONDAY EXPLAINING TO THE AGENT THAT THE MATTRESS THEY DELIVERED WAS NOT WHAT I ORDERED I EVEN TOOK A SCREEN SHOT OF THE MATTRESS I ORDERED ON THEIR WEBSITE AND SENT IT TO HIM HE BLATANTLY TOLD ME THEY ARE NOT GOING TO CHANGE THE MATTRESS I THEN TOLD THE AGENT TO SEND THE DELIVERY COMPANY TO PICK UP THE TWO PIECES AND HE SHOULD CANCEL MY ORDER I IMMEDIATELY CALLED MY CREDIT CARD COMPANY AND INFORMED THEM OF THE SITUATION AND TOLD NOT TO PAY THIS MERCHANT BECAUSE I CANCELED THE ORDER NUMEROUS TIMES SIX MONTHS LATER I WAS STILL TRYING TO DISPUTE THE CHARGES WITH CAPITAL ONE CREDIT CARD COMPANY BUT THEY REFUSE TO REMOVE THE CHARGES FROM MY CREDIT CARD ON XX/XX/year> I CALLED CAPITAL ONE AND ASKED TO SPEAK WITH A SUPERVISOR AND EXPLAINED TO HER WHAT TRANSPIRED BETWEEN MYSELF AND THE FURNITURE COMPANY SHE CALLED THE STORE AND WE HAD A CONFERENCE CALL THE PERSON AT THE FURNITURE STORE ADMITTED TO THE CAPITAL ONE SUPERVISOR THAT THEY DID NOT DELIVER THE FURNITURES BUT STILL CAPITAL ONE REFUSE TO REMOVE THE CHARGES NOW MY CREDIT CARD BALANCE HAS BALOONED TO ALMOST {$12000.00} THIS IS HIGHWAY ROBBERY I LATER DID SOME RESEARCH ON THE FURNITURE COMPANY AND THERE ARE COUNTLESS COURT CASES AGAINST THEM BY CONSUMERS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
On XX/XX/XXXX, I submitted form XXXX to Navient Corporation for the settlement of account number XXXX for the full balance on the account of {$9700.00}. On XX/XX/XXXX, I received a correspondence from Navient via mail which confirmed that they received my XXXX form which was presented to discharge my outstanding debt. Navient went on further to state they were not accepting my XXXX form because it was not for the full amount when indeed it was. 

According to UCC 3-603, If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. In other words, when my payment was submitted and received for the full amount on XX/XX/XXXX any additional interest charges should not have been applied to my account and the full balance should have been paid to reflect a XXXX balance. 

The debt for this account has already been paid in full upon submission of form XXXX, in which Navient admitted they received in XX/XX/XXXX. Pursuant to UCC 3-603, If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Navient is in direct violation of the law with respect to my tender of payment! I demand the tendered payment in the amount of {$9700.00} be applied to account number XXXX to satisfy the outstanding debt to reflect a {$0.00} balance. I will take action on said violations if this is not resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I filed a dispute starting on XX/XX/XXXX with Citi Costco VISA regarding a charge for {$79.00} for merchandise that I never received. I have repeatedly informed Citi Card that I never received any merchandise from this merchant & that I wanted to continue with the dispute. I answered all the questions asked by Citi Card & sent all the requested support documentation including the order confirmation email I received from the merchant with my correct information & address ; & emails that I sent to the merchant asking them about my order & informing them that I never received the merchandise. Citi Card notified me on XX/XX/XXXX that the merchant informed them that the merchandise was delivered and therefore, Citi Card closed their investigation and reversed the credit to my account. The documentation that Citi Card provided to me from the merchant showed a package was delivered to a totally different address in a totally different state ; and was signed for by a totally different person. On a side note, my sister placed the same order with the same merchant on the same date ( XX/XX/XXXX ). She never received her order, but, her credit card company issued her a full refund with no problems. I believe that the web site that we placed our orders on was a scam. I am extremely disappointed in the customer service that Citi Card has provided.

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 2024-02-29 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank violated my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I am taking action with XXXX XXXX and XXXX services XXXX. 

XXXX reference number : XXXX Comenity Bank failed to comply with 15 U.S. Code 1681s-2 ( b ) under the Fair Credit Reporting Act ( FCRA ) and therefore is liable under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: MS

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding their mishandling of a policy cancellation and refund request claim with XXXX XXXX XXXX. 

On XX/XX/2023, my company, XXXX XXXX XXXX requested to cancel our policy with XXXX XXXX XXXX from XXXX County, Georgia. Initially, we were informed that the cancellation process would take approximately one week, with assurances of a refund for the remainder of the month. However, subsequent communications delayed the cancellation into the following month, and despite promises of a refund, XXXX XXXX has not refunded us for unauthorized charges totaling {$3900.00}, extending over multiple months. They kept charging us for multiple months after we first inquired to cancel our policy. 

Despite our cooperation and provision of all necessary documentation, including emails and call records, to support our claim, we have received no resolution from XXXX XXXX. Bank of America, our bank, initiated a dispute on our behalf, yet XXXX XXXX has failed to respond to their inquiries. Up until cancellation, we had been using them for almost two years and paid them over {$45000.00} while our insurance was in use. Bank of America is still trying to get our money back, but they have not received any word from the other party whatsoever. Our claim has been pending with Bank of America since XX/XX/2023 and they just keep dragging us and making us wait. 

We urgently request your intervention to expedite the refund process and ensure accountability from XXXX XXXX and Bank of America. This situation has caused undue financial strain on our business, and we seek prompt resolution to prevent further losses. 

Thank you for your attention to this matter. We look forward to your assistance in resolving this issue swiftly and ensuring fair treatment for consumers.

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 2024-02-29 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 DID NOT OPEN THESEB ACCOUNTS I HAVE POLICE REPORT FOR ALL THESE ACCOUNTS # XXXX. IS THE POLICE REPORT #

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial
State: PA

Complaint narrative:
Account is paid,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
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