vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon me reveiwing my credit reports i noticed that XXXX accounts namely XXXX XXXX XXXX ACCOUNTS AND XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic. The first inquiry in question was apparently made by, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX -Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also filed a identity theft report with FTC

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 2024-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
Village Capital stopped taking late payments, and said we had to pay for the missed months altogether. I got a {$9000.00} personal loan to pay them off, but they have not called us back for going on a month now so that we can make the payment. We call multiple times a week, and sometimes multiple times per day, and get put on hold for hours at a time, and then get disconnected. We also have selected the call back option, and they have never called us back. I sent an email last week, and they have not gotten back to me that way either. They are literally forcing us to not make payments, and therefore forcing us into foreclosure. We are not able to make payments online, or directly to them, and we are afraid. My XXXX has increased because of it. I don't want to lose my home. I have XXXX kids, and a XXXX, XXXX  mother. Now, because they have failed to call us back, they are going to require XXXX 's payment in full too, but we won't have that until next week, and they will refuse to take payment even if we are trying to make payment before it's even considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: VA

Complaint narrative:
Summary : Purchased flights on XXXX for two passengers on XX/XX/XXXX. 
Cancelled the flights for both passengers on XX/XX/XXXX. 
XXXX refunded the purchase total in full to my credit card used for the purchase. 
To date, the refunds have not posted to my credit card account. 
<br> Credit card is Shop Your Way Mastercard issued by Citibank. 

After waiting 10 business days for the refunds from XXXX to post, a credit card customer service rep advised us to open a billing dispute to launch an investigation. Separate billing dispute case IDs were opened for each passenger 's airfare. 
<br> Billing dispute Case IDs : <br> XXXX Date submitted : XX/XX/XXXX Amount : {$330.00} Status : Active<br> XXXX Date submitted : XX/XX/XXXX Amount : {$330.00} Status : Closed <br> This case was closed with no resolution - credit card issuer claimed that they did not receive additional supporting information but I did send complete documentation multiple times via online upload and fax <br> XXXX ( reopened case of XXXX ) <br> Date submitted : XX/XX/XXXX Amount : {$330.00} Status : Active <br> Currently, there have been no resolution from the credit card company. We have so far only received letters from them about the following : -2 disputes opened<br> -2 requests for supporting documentation and a form to fill out, sign, and return<br> -1 dispute resolution ( for case XXXX ) <br> -1 dispute reopened ( as case XXXX ) <br> -1 request for supporting documentation and a form to fill out, sign, and return<br> I sent the credit card company supporting documentation multiple times via upload on their website. On XX/XX/XXXX, I also faxed them this supporting documentation which are attached to this complaint.

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 2024-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Kohls Capital One was suppose to defer all payments when I became XXXX  from the XXXX XXXX. This company went forward and accumulated a late payment history and then charged off my account. This was 100 % illegal during the Pandemic relief period. I eventually p [ aid the account if full including all fees in XX/XX/year>. However, in all fairness the account should be deleted permanently, or at the very least the payment history should be removed. DELETE THIS ACCOUNT PERMANENTLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I Had a fraudulent transactions totaling over XXXX $ from my bestbuy citi credit card it had gotten stolen around XX/XX/XXXX and they racked up charges that maxed out my limit, clearly frustrated I called up citibank/bestbuy to dispute these completely fraudulent transactions and they told me everything was fine on the phone I even got my credit limit back to where it should of been before the fraud and everything was good. Now on XX/XX/XXXX I receive something in the mail saying dispute DENIED, reasoning for it being denied " the facts and or information reviewed as part of investigation does not substantiate the claim of unauthorized use '' .... MY CARD WAS STOLEN and charges where made fraudulently what more could they ask for, this is complete and utter unprofessionalism from CITIBANK/BESTBUY. I will be getting a attorney involved if this matter is not situated promptly. 

Card ending in 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 2024-07-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
To whom it may concern : Jefferson Capital This complaint is regarding account # XXXX, which you claim I owe {$1200.00} for a collection account. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collections agency can not place a collection on a consumers report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 
Also, a collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ).

Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the CFR, FCRA and FDCPA : therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: NV

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
My insurance collection was paid in full, and was supposed to be deleted within 30-days. Please delete this collection permanently!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-01 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
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 2024-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: NY

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
I received a letter in the mail from XXXX on XX/XX/year>, regarding a balance of {$100.00} that I supposedly owed for an apartment at XXXX XXXX, located at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. However, I have never applied for this apartment nor lived there, as I was residing in XXXX, New York, at that time. Despite calling them a couple of times and leaving voicemails, I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CIG FINANCIAL LLC
State: WA

Complaint narrative:
I purchased a vehicle from XXXX on XX/XX/year>. Living in Washington, I was in constant communication with the dealership. Over the phone, I informed XXXX XXXX that I planned to use my own financing due to a better rate. XXXX stated that all financing must be handled in person. To ensure the vehicle would be held for me, I provided a screenshot of my plane ticket from XXXX to XXXX at XXXX 's request, and he assured me the car would be held. 

Upon arrival, I began working on the financing with XXXX XXXX. XXXX claimed that due to a cyber attack on their associated company, I could only use AutoNations financing. I explained that my financing was with XXXX XXXX XXXX XXXX and requested he verify my check by calling them, but he refused. XXXX  then stated it was company policy not to accept outside financing. When I asked to see his manager, I was told the manager was in a meeting. XXXX made it clear that if I did not use their financing, there would be no deal. Given that I had flown from XXXX, I felt pressured to proceed with their financing. 

During the contract signing, XXXX  omitted the {$3000.00} rebate I was eligible for, which was previously shown in the pricing menu. This appeared to be an attempt to take advantage of my frustration over the financing situation. As of XX/XX/year>, I still do not have access to my financing account, raising further concerns about the honesty of the transaction. 

I am extremely dissatisfied with the deceptive and unethical handling of this transaction. I have since contacted other AutoNation dealers who confirmed that accepting outside financing is not against company policy and would not have been an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief