vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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:
They are stating the original balance is {$290.00}. Now its {$300.00}. I have never live at the XXXX on XXXX. I explained this to them that this was fraud and they continue to attempt to collect this debt. Now they have put it on my credit report. I have proof where I was living at the time and also now Im a homeowner. This is not mine and I would like it removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Credit reporting agency not corrrecting late payments as requested inaccurate information reference 15 USC 1666B remove all late payments retroactivly to current across all agencys 15 USC 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Credit reporting agency not corrrecting late payments as requested inaccurate information reference 15 USC 1666B remove all late payments retroactivly to current across all agencys 15 USC 1666B

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not authorize these inquiries and have serious doubts about their legitimacy. I request a thorough investigation and immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: MI

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

Company 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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
My Heloc bank, XXXX XXXX XXXX, sent them a check for my XX/XX/year> balance of over XXXX XXXX They cashed the check but did not credit me and continue to charge me interest. My HELOC bank attempted to call with evidence that they cashed their check but they refused to assist in getting me proper credit. I called and they gave me the run around about using their online dispute form, which I did. Then I proceeded to give them a negative review when they asked me to review my interaction. They immediately closed my account and have not made contact but that I need to continue to make payments. They have not acknowledged receipt of that money and they have not credited 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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law 15 U.S. Code 1681e ( b ) - Compliance procedures for maximum possible accuracy.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law 15 U.S. Code 1681e ( b ) - Compliance procedures for maximum possible accuracy.

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 2024-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
In XXXX, my original creditor XXXX XXXX XXXX XXXX closed and sold my auto loan account to resurgent capital services. My original account was opened in XXXX and the date of first delinquency was reported in XXXX. However, resurgent was reported onto my credit report in XX/XX/XXXX with an incorrect date of first delinquency and expired statue limitations. Resurgent has violated my rights under FCRA Section 623 ( 5 ) ( A ) and re-aged my debt and it needs to be erased immediately from XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency and my original contract containing my original signature. My rights dictate my ability to obtain this information. Lastly, I have received repo letters from resurgent notifying me of dates and times of repossession. I request that resurgent deletes this account immediately from XXXX and cease the repo letters and repo visits to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NV

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-14 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: NV

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
ON XXXX @ XXXX XXXX  I deposit XXXX XXXX dollars into a checking account and XXXX XXXX XXXX into a XXXX XXXX savings account. 
At Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/XXXX I recieved XXXX in interest XX/XX/XXXX a collection XXXX XXXX XXXX A XXXX of XXXX was withdrawn on XX/XX/XXXX a XXXX monthly fee for low balance was charged to my savings account. XX/XX/XXXX a check for XXXX no check number was withdrawn from my savings account which I did not write never used checks in over XXXX  years. These transactions happened XX/XX/XXXX XXXX was transfred to my checking account ending in XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX a total of XXXX in withdrawals was moved to checking ending in XXXX then on XX/XX/XXXX charges of XXXX in monthly low balance fee was charged XX/XX/XXXX XXXX in excess activity fee was also charged. Then I notice a lot of other unauthorized Transactions and filed a claim on XX/XX/XXXX Claim ID XXXX at the XXXX location. Then shortly after all my money was gone the person that open my account at the XXXX location quit his job at the bank I suspect a lot of people quit Regions around the same time this took more then XXXX person to pull off. Why do someone quit their job right before a pandemic shut down?. I tried talking to someone at Regions Bank on XX/XX/XXXX about this they said again I was told someone will call me by the end of the week still waiting on that call my claim was never address still waiting on that. I am in Sock that during all this excessive activity no one called me to say is everything okay? are you really making all these transactions? nothing and a check order was placed on my checking account that I did not request online banking was set up at the banking center I did not authorized. Please help me I suffer with XXXX  and XXXX and to type this is taking a lot of effort. 
Thank you! 
Also on XX/XX/XXXX Bank Debit for XXXX XX/XX/XXXX XXXX XX/XX/XXXX bank Debit XXXX XX/XX/XXXX transfer to account ending XXXX total of XXXX my life savings is gone. Please Help me. Also nothing was mailed out statements closing paperwork when they closed my account withdrawals concern nothing thats why I know it took more then one person to pull this off.

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 2024-03-14 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: IL

Complaint narrative:
Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.

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 2024-03-14 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: WA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Last week my girlfriend tried to cash my check for me on venmo because I didnt have a bank account. It didnt let hee, so I made a venmo account and cashed it on my account. The next day they froze my account and wont let me access my money. Its almost XXXX XXXX XXXX I need this money to pay my bills and feed my XXXX. They wont tell me why my account is frozen, Ive sent them a picture of my ID, my social security number, along with a picture of the bank account on file. They still have not releases my money or given me any explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: SC

Complaint narrative:
Back in XXXX  someone i let come live with me stole my phone. They accessed my cash app and sent out unauthorized funds. Because my debit card was linked to cash app and the money was coming out of my personal account i filed charges with my bank. They refunded me all of my money. Usually i dont keep a balance on cash app. On XXXX XXXX XXXX XXXX XXXX balance on cash app. Cash app took my monwy and said i owed thwm money. How? The money that was taken from me came out my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
So I keep getting hit with XXXX XXXX credit cards that I dont have and I havent filed for a card in abt three years. It keeps hitting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CO

Complaint narrative:
I had my vehicle towed and doing the towing process my vehicle was damaged. I called the company XXXX XXXX, they were supposed to cash me back and they never did. So i called capital one my credit card company and they started a dispute. They requested documentation like a statement from myself on what happened along with how i tried to resolve the matter with the merchant and a receipt of goods which i sent them as well, also pictures of my vehicle. They began the dispute process. Then they sent me another letter requesting the same documentation that i previously sent, which i resent them again. Now theyve closed my dispute and i lost because they are claiming i didnt sent them the proposer documents. I called them and they said there is nothing they can do since it is beyond the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Bank : Chase Bank Account Type : Total checking account Check Writter : XXXX Bank XXXX from an XXXX XXXX Check 1 {$4500.00} Check 2 {$22000.00} Both posted XX/XX/XXXX however, the funds were frozen On XXXX there is a debit DDA - Check Charge for {$27000.00} ( total of both checks ) On XXXX I call XXXX old and prevention, but we dont get anywhere. They just tell me that the funds have been taken out of my account and are being held by them until they can prove they are intended for me. I tell them that they at least need to return them to the sender ( XXXX XXXX XXXX XXXX ) as I am no longer interested in doing business in such a shady manner. 
XXXX at XXXX I have a call with my private banker at my local branch ( Chase Bank XXXXXXXX XXXX ) we get on a call with loss and prevention where we have a long call for about XXXX minutes before they call XXXX and can finally have someone confirm the funds are for me. At the conclusion of the call, XXXX agreed to reopen the account ( which they did XXXX ) and that the funds would be in the account on Tuesday XX/XX/XXXX. As of today ( XX/XX/XXXX @ XXXX AM XXXX ) the funds are not in the account and I have not heard anything from XXXX in terms of an update on the funds. 

Communication : Chase bank hasnt sent me any formal documentation as to what is going on. Everything I have learned has been from me reaching out to them. 

*This is originating from a XXXX account, the trust documents have all been provided and approved by XXXX XXXX XXXX. I have deposited other checks from this Admin trust with NO issue in the past.

Company response to consumer: Closed with explanation