vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe Portfolio Recovery, this company has illegally purchased this account. I never signed a purchase agreement, nor have I done business with this company. 

I sent two debt of validation letters to the company, certified mail and return sender. The debt collector has not provided me with the proper debt validation for this alleged debt. 

XX/XX/XXXX ( XXXX # XXXX ) ( See Attachments Includung company 's response ) XX/XX/XXXX ( XXXX # XXXX ) ( See Attachments ) IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy. 

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you. 

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. 15 U.S.C 1681 ( e ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: PA

Complaint narrative:
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO WHO IT MAY CONCERN, THE ACCOUNTS LISTED IN THIS REPORT AND THE ATTACHED DOCUMENT ARE FRAUDULENT ACCOUNTS OPENED WITHOUT MY KNOWLEDGE AND CONSENT DUE TO IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: PA

Complaint narrative:
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHO IT MAY CONCERN, THE ACCOUNTS LISTED IN THIS REPORT AND THE ATTACHED DOCUMENT ARE FRAUDULENT ACCOUNTS OPENED WITHOUT MY KNOWLEDGE AND CONSENT DUE TO IDENTITY THEFT.

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 2024-01-25 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX personal loan, I dont know how to get it off my credit score. There is no amount due

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 2024-01-25 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX i received a letter by email from Discover credit card stating that they will continue to deny my claim case # XXXX. The claim for a service i purchased at USPS that included tracking but the tracking to track my package never worked online. So the service by USPS was never provided. I submitted this evidence to Discover. I contacted Discover back in XX/XX/XXXX to dispute the charge but Discover denied my claim stating that there was no sufficient claim. I initiated a reopen of the dispute on XX/XX/XXXX and they on purpose lost the paperwork and failed to honor my dispute. So on XX/XX/XXXX I submitted the paperwork again. Today XX/XX/XXXX I got a letter that my claim has been denied for the same reason. I believe I have sufficient reason for this dispute to be resolved in my favor but Discover does not want to honor my claim and I have noticed this more lately. Discover will not follow up on claims or honor disputes. This is happening more often even if the evidence is in my favor and the merchant has agreed to give me a refund. The claim is only for {$22.00} the charge I paid for tracking service but never received the service. Is not a big amount but Discover will deny a claim when they feel like they don't want to solve it and will continue to deny it and are hard headed. I think they are violating some regulations for customers and that is why i am filing this complaint. While other cards for being a great customer will give you a credit on a dispute on a courtesy, Discover will not even give you a cent. They are not like XXXX XXXX or other credit cards in the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I have repeatedly asked TRANS UNION CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, TRANS UNION CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX XXXX XXXX substantiating their claims ( account # XXXX amount {$990.00}. Furthermore, I have requested TRANS UNION CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This letter is in response to TRANS UNION CREDIT REPORTING AGENCY recent claim XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX has verified that the ( account # XXXX ( XXXX XXXX amount {$990.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with TRANS UNION CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your non-willfulness.

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 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I submitted a complaint in XX/XX/2021 to HUD regarding the appraisal discrimination I received when I refinanced my XXXX Broker Solutions dab : New American Funding and the XXXX that they selected to use. A case number was established - XXXX. I have had limited contact from HUD and it will be almost 3 years. I do not know if my case is being worked since my emails are not responded to by XXXX XXXX or anyone else at HUD. 
The last communication that I received was from XXXX XXXX with XXXX XXXX copied on XXXX XXXX. That email stated that XXXX was on maternity leave. Let me remind you that this case was open in XXXX. XXXX was not on maternity leave at that time and was not following up with me and when I did hear from her she was short and curt in her responses. 

XXXX XXXX XXXX ( XXXX ) - case XXXX XXXX XXXX ( XXXX ) - XXXXXXXX XXXX supervisor XXXX XXXX ( XXXX ) - XXXX XXXX supervisor I am thoroughly disgusted with the lack of communication from HUD. It is not acceptable for an agency to claim that they will investigate your case, yet never follow up/follow through. There's been a lot of time wasted in which I could have retained an attorney and gotten better results. I'm aware that this is a newly created program under PAVE from the XXXX XXXX, however, that should not be an excuse not to follow through. I would like my case escalated. Home appraisal discrimination is running rampant and I'm not sure what more information/documentation is needed when just about every month there's a city that has a new report on appraisal discrimination.

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 2024-01-25 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: 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 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 2024-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally submit a complaint against Capital One concerning two disputed transactions with XXXX The first dispute, Claim # XXXX, was initiated in XX/XX/XXXX, involving a transaction amounting to {$11000.00}. The second dispute, Claim # XXXX, was filed on XX/XX/XXXX, for an additional charge of {$4600.00}. Both claims were denied by Capital One, and I am deeply concerned about the lack of thorough investigation and proper resolution in both instances. 

In the initial dispute ( Claim # XXXX ), Capital One 's response was received within one day, leaving me with the impression that a comprehensive investigation had not taken place. Despite my attempts to pursue the matter further, subsequent communications were met with generic responses and an absence of supporting documentation. I took the initiative to contact Capital One 's investigation team via email on XX/XX/XXXX, but unfortunately, there was no response. 

Regrettably, the situation escalated when I discovered another charge from XXXX, this time amounting to {$4600.00}, and multiple denied charges due to the daily limit. Given the history of the dispute and the denied transactions, it is disconcerting that the bank did not identify this as suspicious activity, leading to another round of inconvenience for me. To address this, I closed my debit card and promptly initiated another dispute ( Claim # XXXX on XX/XX/XXXX ), referencing the previous claim and providing a detailed history of my interactions with XXXX 

Despite my efforts to highlight the recurring issues and emphasize the unauthorized nature of the transactions, Claim # XXXX was once again denied by Capital One, with the assertion that the transactions were authorized. I strongly believe that these denials reflect a failure on Capital One 's part to conduct a diligent review of the cases. 

I am seeking your assistance in investigating the handling of these disputes by Capital One and ensuring that a thorough and impartial examination is conducted. The apparent oversight in reviewing the transactions poses a serious concern, and I am hopeful that your intervention will facilitate a fair resolution. 

I appreciate your attention to this matter and look forward to a prompt and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 2024-01-25 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: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid someone to complete a work of art and they did not deliver then deleted their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: LA

Complaint narrative:
I submitted a dispute about inquires, false information, and non-mailable addresses that are not mine. I want every inquiry on my report deleted. I didn't authorize them and they can't prove I did. So they are reporting false information that they can't verify. And I have one address, one phone number, and y name is spelled one way. I've provided those items so I want anything other than what is correct to be deleted immediately. And I'm opting out of any reporting without my written consent.

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 2024-01-25 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and remove

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 2024-01-25 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: TX

Complaint narrative:
I moved from the XXXXXXXX XXXX in XX/XX/2021 at the end of my lease. I was completely paid in full through the rent portal. Three months later, I was told by a realtor that a collection was on my credit from the apartments, added in XX/XX/2021. I never received a phone call or letter from them stating I owed any debt. I called and spoke with leasing agent XXXX who stated I did not owe a debt. I also spoke with XXXX who agreed that I did not owe the debt but said she could not do nothing about it because she already sent it to collections with a company called Genesis. Genesis refuses to respond to any disputes sent and I have been sending them for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime bank is stating I owe XXXX dollars on a bill. what I didn't kno is the money you put in your credit builder you will be billed for the amount you use. so if you put XXXX dollars in your credit builder then use it for your rent the XXXX of every month you get billed for using your own money hence I owe XXXX dollars off my own money chime credit builder never extended any credit for me to owe that was my money going in no credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a credit card with Capital One my minimum payment is {$25.00} and it's due on the XXXX first time I went to make a payment at the website using my debit card I was told I can only make a payment using my checking account and after that the next payment I went to make I made it on my due date the XXXX they charged me a {$25.00} late fee because they said I had to make it before XXXXXXXX XXXX I had no clue I had to do time I know I had to do date same thing happened again this time they charged me a {$40.00} late fee they credit the {$40.00} late fee XX/XX/XXXX I made the minimum payment of {$25.00} on the XXXX and before XXXX they charged me another late fee of {$40.00} because now they saying I didn't make the minimum payment they're adjusting my minimum payments in late fees for month to month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I have repeatedly asked TRANS-UNION CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, TRANS-UNION CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX agency substantiating their XXXX XXXX account # XXXX amount {$1600.00}. Furthermore, I have requested XXXX XXXX XXXX XXXX method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This COMPLAINT is in response to TRANS-UNION CREDIT REPORTING AGENCY recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection agency, has verified that the ( # XXXX amount {$1600.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with TRANS-UNION CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your non-willfulness.

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 2024-01-25 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: FL

Complaint narrative:
In accordance with the fair credit reporting act account # Account info Account name XXXX  Account number XXXX Account type Unsecured Has violated my rights. 
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.

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