vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
About XXXX yrs ago, I obtained a payday loan from XXXX XXXX. I paid it off almost every month as agreed which is on the XXXX of each month ( I am on a fixed income and do not get my funds until the second Wednesday of each ). I refinanced the loan several times taking out a little more funds. All went well until recently when they started taking funds on nonscheduled dates. I called them a few times and asked for a few days delay in processing explaining that the funds would not be available on that date. They agreed and all went well until XX/XX/XXXX when they processed the payment XX/XX/XXXX. XXXX and I did not have the funds to cover the payment as I expected my deposited funds to be available the XXXX XXXX of the month, I called and they were very unreasonable and would not hear of my explanation of when I got paid and funds would be available. I reminded them of the agreement of processing the payment on the XXXX of each month as done previously and they would not listen. Their explanation was that in the state of Nevada each payment had to be made every 30 days. This doesn't even make sense as each future payment is arbitrary and will put me on a financial hardship each month setting me up for failure and for XXXX XXXX to collect more interest on the loan. All I ask is that I have a consistent payment date each month ( XXXX ) as all other institutions have ( credit cards, utilities, etc ) and not arbitrary days each month and show good faith business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX- to removal negative accounts Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute the accuracy of certain information contained in my credit report, specifically regarding the improper re-insertion of inaccurate information and the handling of my disputes, as highlighted by the recent allegations made by the Consumer Financial Protection Bureau ( CFPB ) against your organization. 

According to the CFPB, XXXX has conducted sham investigations and failed to properly address consumer disputes regarding inaccuracies on credit reports. The CFPB 's findings indicate that XXXX has not adhered to the requirements set forth in the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies take necessary steps to ensure the accuracy of consumer reports and conduct thorough investigations of disputed information. 

The accounts in question that have been improperly reinstituted or mishandled include : - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX These accounts contain inaccurate information that has negatively impacted my creditworthiness and financial opportunities. The CFPB has indicated that XXXX has engaged in practices that violate consumer protection laws, including the FCRA and the Consumer Financial Protection Act ( CFPA ). Such conduct not only contravenes the law but also threatens consumers ' access to credit, employment, and housing. 

As a result, I am requesting that you take immediate action to remove all accounts listed above from my credit report across all three major credit bureaus. I expect to receive confirmation of these removals and a detailed explanation of the steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I look forward to your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX- to removal negative accounts Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute the accuracy of certain information contained in my credit report, specifically regarding the improper re-insertion of inaccurate information and the handling of my disputes, as highlighted by the recent allegations made by the Consumer Financial Protection Bureau XXXX CFPB ) against your organization. 

According to the CFPB, XXXX has conducted sham investigations and failed to properly address consumer disputes regarding inaccuracies on credit reports. The CFPB 's findings indicate that XXXX has not adhered to the requirements set forth in the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies take necessary steps to ensure the accuracy of consumer reports and conduct thorough investigations of disputed information. 

The accounts in question that have been improperly reinstituted or mishandled include : - 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 These accounts contain inaccurate information that has negatively impacted my creditworthiness and financial opportunities. The CFPB has indicated that XXXX has engaged in practices that violate consumer protection laws, including the FCRA and the Consumer Financial Protection Act ( CFPA ). Such conduct not only contravenes the law but also threatens consumers ' access to credit, employment, and housing. 

As a result, I am requesting that you take immediate action to remove all accounts listed above from my credit report across all three major credit bureaus. I expect to receive confirmation of these removals and a detailed explanation of the steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I look forward to your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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 2025-01-22 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: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I have a solar panel loan. I am in the process of selling my home. I want to pay down the loan with the proceeds from the buyer. The new buyer would then assume the loan. GoodLeap will not allow anyone to assume the loan until I pay them {$14000.00} first. I do not have the funds until the home closes. They will not allow this to happen simultaneously and it is preventing me from selling my home. Good leap has stated that it was not required to give them my solar tax credit, but it was recommended. Now they are stating that they have to have the funds of $ XXXX before they will allow me to sell my home. Ive offered to give them $ XXXX at closing and they wont do it at closing. Again, preventing me from Selling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I opened a savings account with Credit Karma in mid 2020 in the amount of {$100.00}. I check the balance about three times a year. Fast-forward to today, I am unable to find my account. There is no contact number and waited almost an hour to have an agent connect with me. After waiting for almost an hour, I was transferred to another person. I am yet to access my account. 

I keep being transferred without agents informing me I am being transferred.The chat reads, I requested to be transferred when I did request to be transferred. 

I still do not have access to my account, no resolution made. 

Communication initiated in the chat feature at XXXX and I ended up leaving terminated the " support '' at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Early Warning Services, LLC
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-102.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination documentation according to 1022.142 ( b ) ( 6 ). 

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Early Warning for myself, XXXX XXXX XXXX last XXXX of social security number is XXXX, date of birth XX/XX/XXXX. Please delete the following information and accounts. 
NAME : XXXX XXXX XXXX, XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX Phone number : XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. I am a victim of identity theft and I dont recognize these accounts on my report. I am requesting the following information be deleted from my Early Warnings Consumer report immediately. Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a glitch, but the issue remained. I'm extremely frustrated and need this matter resolved immediately. Please review the documents Ive provided carefully so I wont have to deal with this stress again.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: OH

Complaint narrative:
had a deposit ( XXXX ) on XX/XX/year> in the amount of {$420.00}. It is the XXXX deposit of this type that Ive had to my account in the last 6 months. This one was not released to me because it came to my fathers name. My father is my business partner and the payment is for a small business XXXX for XXXX. The payment has been held for review since then. The bank is saying they do it have a way to return to sender because of the type of deposit. However they will not release it to me. It has been over a month and after XXXX emails and XXXX phone calls there is no resolution. Only theyre trying to figure it out. The XXXX business days they have asked me repeatedly to wait has passed several times over. At this point I just need a resolution. They need to either return to sender or release to me. They can not be allowed to simply hold funds indefinitely. Can I please get some assistance with this issue. Thanks so much. 

I have to date contacted this company at least XXXX times by mail/ XXXX emails and XXXX escalation tickets have been created, to date nothing at all has happened. I have recorded phone calls where I have been promised resolution dates and then retracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recieved a call from Comenity Bank on XX/XX/XXXX that I missed a payment. I advised the caller that I had not recieved a bill and he agreed to wave the late fee and accept a payment of XXXX and my account would be paid in full. Now Comenity Bank is trying to charge me late fees for a balance that I satisfied. I only recieved a bill in the month of XXXX and XXXX. I spoke with XXXX employees of Comenity Bank and no one would help. XXXX on XX/XX/XXXX @ XXXX. She was condecending and refused to help get the late fees waved. I pay my credit cards in full every month, this was a Comenity Bank error and I should not have to pay the late fees. 

This was all over a {$19.00} purchase. Now they want me to pay {$80.00} in late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  XXXX # : XXXX BALANCE : {$270.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
Re : Columbia Debt Recovery LLC DBA Genesis Credit Company I co-signed on a Lease with a landlord in XXXX, XXXX My son became sick during Covid and we had to bring him back to NJ. We paid the lease for the remainder of the term, returned the keys and filled out a formal cancellation notice. Months later, I received notice that the landlord placed a {$4000.00} charge against my credit for not notifying them of the lease termination. Once again, we paid all 12 months of the lease, and gave notice well before the 60 day notice period. 

I provided proof to the debt collector that we had provided the notice on the landlord 's notice form and a copy of the property managers confirmation that they had received the form. 

The debt collector refused to remove the debt from my credit report unless I paid the XXXX to them first. The name of the debt collector is Columbia Debt Recovery LLC, DBA Genesis Credit Company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$370.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$3500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XXXX XXXXXXXX XXXX, I transfered {$320.00} into my savings account at Wells Fargo titled " Opportunity. '' That same day, I had a payment transferred to XXXX XXXX in the amount of {$300.00} for a loan payment. 

XXXX claims they had not received my {$300.00}, but Wells Fargo continued to overdraw me {$300.00} and my father, XXXX XXXX, transferred money out of his account to make up for the overdraw. 

XXXXXXXX XXXX then stated on XX/XX/year>, that they had never received the money and Wells Fargo " has no record of my overdraft '' or my original payment to XXXX. 

Neither party has any idea where my money is.

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