vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I noticed my Avant credit account was paid in full. I did not pay off my account call Advant credit card told them. On XX/XX/year> they backed out the payment and my account was correct and they locked my account. I called them they said that my account was locked do to an investigation. I said ok the said a couple days should be good. called back again told a few more days. waited then called back again was told I had to send them my a picture of social security card over the internet I said I would not do it. I asked to speak to a supervisor they said to busy would call me back I waited a week, call back again asked to speak to their fraud dept They transferred me only to be told that customer service could help me was switched over to them they told me to send an email to them and my account would be unlocked. Did that they sent me an email saying that if I call customer service they could help me. I called customer service told this person the same story was put on hold she came back this time and told me my account was locked and under review and would take 90 days.I find it strange that if i sent them my SS card they could fix it .But i refused and now its 90 days. I believe that this credit card company or their workers are scamming the public while I keep paying my credit card with no use of it. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
Genesis Credit Management informed me that there is an outstanding debt owed to XXXX XXXX XXXX in XXXX XXXX CA in amount of {$39000.00}. I called XXXX XXXX XXXX and they said that XXXX XXXX was leased from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX advised me to work with Genesis Credit Management to clear this debt due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, the Loan Account XXXX with a balance of {$1000.00} was added to a third party Debt Consolidation Company called XXXX XXXX XXXX I initiated this transfer of the debt due to Affirm 's lack of communication and lack of payment options. Affirm is not communicating appropriately about this outstanding debt. Affirm will no longer be able to obtain this debt from me, but from XXXX XXXX XXXX as they act as Power of Attorney over the account. I had to make this decision because Affirm never contacted me about the debt and when I initiate contact now, they have no options for me to make payments on the debt, nor does their Collections Agency. If the third party Debt Consolidation Company is able to establish contact negotiations over this debt, then a payment or payments can be made to complete the payoff. It is highly suggestable to Affirm that they take this seriously because I made many attempts to pay towards this after they charged the loan off, but they are making it difficult for me to make payments. The purpose of this complaint is to allow this to be in the database for other consumers to see how Affirm operates so they can potentially make a better decision when taking out loans, as Affirm should not have charged off this debt. Affirm claims they sent me emails letting me know that the Debt would be charged off prior to this occurring, however, I have no record of emails from them stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
So one of the Main Credit Bureau agents did what I asked. So I attached the information down below. So you all can see

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 2024-04-02 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: PA

Complaint narrative:
I have attached my documentation disputuing the accuracy of the XXXX XXXX XXXX account listed on my Equifax. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX  of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. If the information can not be verified by federal law it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Ensuring punctuality in payment has been a constant practice on this account, with no instances of overdue payments. Yet, I am perplexed by the presence of late payment remarks in my account records. Referring to 15 USC 1666b - Billing Error, I expect appropriate rectifications.

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 2024-04-02 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I purchased a car through XXXX XXXX dealership in XXXX SC on XX/XX/year> and specifically instructed them to ONLY RUN MY credit application through XXXX XXXX. as I knew my XXXX XXXX was strong no need to run it through any other XXXX XXXX or bank. 

On XX/XX/year> I saw they had ran it through 3 times ... XXXX immediately emailed the dealership what came over on credit report and I wanted a call back. 

I received a call back from the dealership XXXX XXXX and he made up some lame excuses ... .I just checked my hard inquiries and today showing Capital on query..which I am disputing since I did not give consent for them to do that ... Which is more interesting XXXX XXXX is Longer on the hard query report ... ... WAS told to contact the credit inquiry co.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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 am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681XXXX ]

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 2024-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I created a Credit Karma Save account for the XXXX, I then attempted to change the linked account from a savings account to a checking account. I have attempted to change the linked account over XXXX times. I have tried to reach out to them for support 10-15 times. Each time i receive the run around and they are not able to change my linked bank account. 

I have requested that they close the account and mail me a check which they said would be 7-10 business days. After the 10 days I asked where the check was, and they said the account has not been closed but it is still pending but can not give me any information on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
on XX/XX/2024 while at my boyfriends house, precision recovery repossession company trespassed onto private property, pretty much drug the car throught the XXXX driveway, leaving grease stains and the gravel all dug up, as well as side swiping the garage of my boyfriends. never knocked or anything. this wasnt at my home it was at my boyfriends. they illegally came onto publicly marked private property and drug my car out of the driveway damaging the gravel and garage in the process, as well as leaving broken glass all by the garage. they unlawfully repo the car and took it an hour away where they held it for the next 25 days. I tried to get to the place to get all my personal belongings but i have no vehicle and no family to get their. I had a lot of items in the vehicle as i wasnt planning for it to get stolen off of private propertyl. i also have an intoxalock breathalizer device installed in the car which costs over {$3000.00} and had all my dna and biometric information stored on it. i had my prescibed medicine in the vehicle my birth certificate and other sensitive documents. this company did an UNLAWFUL REPOSSESSION by breaching the peace and breaking onto private property and stealing my car all while physically damaging someone's property. This company should be punished for using illegal measures to get a vehicle. i have not recovered anything that was in my car. 

**The only reason i quit paying on the auto loan was because i received a notice saying that someone that worked for cfpb and santander usa/chrysler capital sent my personal information and auto loan details to their personal email account. i was sent a letter from the cfpb department notifying me of this. chrysler capital never notified me of this breach of my information. i became very scared to give out any of my account information anymore and i was preparing to sue chrysler capital for the enormous breach of my sensitive personal information. i should be given the car back. i paid on it regulary for almost XXXX y ears. i have paid the value of the car almost entirely. not only was my information handled extremely poorly by this company, then they take illegal measures to get the car back to the point of breaking onto private party and causing property damage to an innocent individuals driveway and garage. **

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: MS

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has 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 2024-04-02 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: MS

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
You can continue to mark as duplicate without regard to whats in actual complaint. Pre litigation demand processed- Omni will not receive any monies from this outrageous violation of consumer rights. 

FINAL ATTEMPT AT RESOLUTION WITHOUT LEGAL REPRESENTATION OMNI is reporting an invalid debt based on its conditioning loans to servicemembers on repayment by allotment, in violation of the Military Lending Act ( MLA ), 10 U.S.C. 987 ( e ) ( 6 ), and conditioning loans on repayment by preauthorized electronic fund transfers, in violation of the Electronic Fund Transfers Act ( EFTA ), 15 U.S.C. 1693k ( 1 ), and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-02 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: MS

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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 have sent via certified mail numerous dispute letters and verification requests asking for validation of the account information being reported. I asked for an updated copy of my report in the mail to my address and the method of how they validated the incorrect information and fradulent claims being made on my credit report and have not received back anything in over 45 days for the account in question that is clearly inaccurate and fraudulent. They open my dispute online and close it in 2 days changing nothing and have not sent anything in the mail as i requested numerous times. This credit bureau ( Experian ) is disregarding the law and taking advantage of consumers and this has caused an enormous amount of stress in my life as well as loss of money on postage and resources sending letters continuously with no result or legal response to my request. The most recent certified letter I sent was XX/XX/2024. 
In accordance with the Fair Credit Reporting act. The account I have been requesting response and validation for has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. and 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.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( 2 ) ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

611 - 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) This is an injustice to me as a tax paying citizen of this country and a violation of my rights under the FCRA.

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