vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint narrative:
XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX I ordered a Back Reliever for my XXXX, the name of the company was called XXXX. The order was for XXXX. The shipping time was 2-3 weeks and during holiday time so I gave it some time. After about a month I sent an email to the company inquiring where my package was, since I had been following the tracking number. It was showing that it was " sitting '' in XXXX, NY for days and days. Even now its still showing that its sitting there ( XXXX # XXXX ) and its been in the same location since XX/XX/XXXX. I sent another email and received a call on XX/XX/XXXX from the company. I explained my issue and was told that I would receive a refund because my package was probably lost or stolen. I severely needed the product so I asked how do I receive it now, I was told I needed to resubmit payment to avoid waiting longer. I was used my personal bank card ending in XXXX via XXXX XXXX the first time, but that account didn't have enough funds, so this time I had to pay with my actual card ( business account card ending in XXXX ). I was told to look out for an email and new tracking. 6 days later ( XX/XX/XXXX ) I call back saying I got nothing and they said it looks like my payment didn't process, so they ran my card again. So after the call I check my account only to see that I had been charged TWICE!!! Once in the amount of XXXX and another for XXXX!!! I immediately call Citibank and for some reason I always get connected to someone who's trying to rush me off the phone or won't listen. I understand that the payment was pending, but the rep didn't offer much help and said she would file a claim for the XXXX, but couldn't do anything about the XXXX because it had just happened the day before ( I had to call back the next day because the Business fraud department was closed ). The rep said she would try to cancel the payment and if she couldn't and it posted, I would be called back and the XXXX would be added to the claim. It's been days and I haven't heard anything back and keep being put on hold every time I call. Also, I wasn't even offered the chance to order a new card!!! I was told it's not an option, I'm just confused and have had to just lock my card until I need to use it. It doesn't make any sense, it's like they invite companies to steal our money and then leave us hanging in the balance. I have photos of the receipt and everything im explaining here. Also, the charges are showing they're coming from XXXX, I'm clearly located in XXXX XXXX, Ca, and made that very clear during the call. CITIBANK is giving me a headache.

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a credit card I never appried for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc
State: WA

Complaint narrative:
I sold my car when it broke down for scrap money to a Tow Truck Company. They sold it to another person that failed to register the vehicle. I removed my Auto Insurance once I signed over my title. The new owner was cited in an Auto Accident. The vehicle did not have the plates that I was issued ; because I took them when I sold the car. The car was tracked back to me by the VIN. WA State, the party that was hit in the accident or XXXX did not make any communication with me. I was not ticketed or cited for any wrong doing or violations. I am not currenlty in collections and none have been reported. A law firm claiming to represent XXXX is threatening to suspend my license if I do not pay them {$4100.00}. The proported Law Firm is Jonathan Neil & Associates , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays Old Navy reported a 30 day rating under XX/XX/XXXX on my credit report under XXXX XXXX XXXX. 

This account is also still showing as closed under XXXX when it's still open. See attachments. Reached out about this numerous times, but this hasn't been corrected. This resulting in " OK '' ratings not being reported under XXXX & XX/XX/XXXX. 

This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. They previously notated that I set up automatic payments in XX/XX/XXXX, which is accurate. I set them up again after realizing my credit score dropped over XXXX points and the automatic payments set up prior were not going through. I definitely set up automatic payments prior to being hit with this delinquency, but Barclays did not register it. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future endeavors. We are closing on a home soon, and this late payment reported by Barclays is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. I'm asking Barclays to please consider removing this late payment from my XXXX XXXX XXXX credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold XXXX accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. Again, I'm asking Barclays to please " delete '' the 30 day rating reported under XX/XX/XXXX for XXXX and XXXX. And correct the account status from closed to open under XXXX. Thank you

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to request the immediate removal of all of my personal information from EXPERIAN records, in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that under 15 U.S.C. 1681b ( a ) - ( g ) and 1681c-2, they are prohibited from using my personal information without my consent. I have reason to believe that Experian is in violation of these provisions according to the aforementioned United States Codes and FCRA ACT. This misuse of my information is unacceptable and a violation of my privacy rights. 

Therefore, EXPERIAN shall promptly delete all of my personal information from their systems, including but not limited to : my name, my addresses, my Social Security number, my Employment information my credit report information, and all other personally identifiable information Thank you CFPB for your attention to this urgent matter.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to request the immediate removal of all of my personal information from EXPERIAN records, in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that under 15 U.S.C. 1681b ( a ) - ( g ) and 1681c-2, they are prohibited from using my personal information without my consent. I have reason to believe that Experian is in violation of these provisions according to the aforementioned United States Codes and FCRA ACT. This misuse of my information is unacceptable and a violation of my privacy rights. 

Therefore, EXPERIAN shall promptly delete all of my personal information from their systems, including but not limited to : my name, my addresses, my Social Security number, my Employment information my credit report information, and all other personally identifiable information Thank you CFPB for your attention to this urgent matter.

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 2024-02-25 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: NM

Complaint narrative:
My fiance and I moved out of our apartment XX/XX/XXXX into our new home. We didn't hear anything from the landlord for a few weeks. On XX/XX/XXXX we received a move out statement that we owed {$980.00} for rent for the month of XX/XX/XXXX which we had already paid on XX/XX/XXXX. This amount was clearly stated it was for rent and not the security deposit which we had already gotten back. On that same day ( XX/XX/XXXX ) we sent the apartment company an email disputing the charges along with proof that we had already paid the rent. They refused to respond by email, only wanted to call us. Due to previous disputes with this same company, we wanted to get statements in writing which they refused to do. They instead sent us another statement on XX/XX/XXXX showing that we owed {$1200.00} which now included rent for the first week of XX/XX/XXXX. Our lease officially had ended XX/XX/XXXX. We were sent to collections and received our first collections notice on XX/XX/XXXX, a whole year later. We asked for proof of debt from the collections agency and tried to dispute the charges with them and all that they sent back to us was a copy of our lease. We have all of the documentation that we do not owe this debt and have provided the agency with it and they have chosen to ignore the information provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Compliance Department Acima XXXX XXXX XXXX Draper, UT XXXX Re : Response to Complaint ID : XXXX - Lease No : XXXX Dear Sir/Madam, I am writing in response to your communication regarding the complaint filed with the Consumer Financial Protection Bureau ( CFPB ) by XXXX XXXX XXXX, concerning a lease agreement with Acima referenced by Lease XXXX : XXXX. 

Upon reviewing your response to XXXX XXXX 's complaint, I would like to express my disagreement with the current status of the lease agreement and the associated reporting on my credit report. Despite your thorough explanation of the lease agreement and the reported delinquency, I continue to assert that I have no knowledge of entering into any agreement with Acima or acquiring any property from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) on XX/XX/2019. 

Given the lack of recognition of this lease agreement and the absence of any contractual obligations on my part, I respectfully request that Acima discharge or dismiss the account associated with Lease No : XXXX. The presence of this disputed account on my credit report for over XXXX years has significantly impacted my financial standing and creditworthiness. 

While I understand Acima 's position regarding its reporting practices and authorization procedures, I maintain that I did not authorize any such transactions or agreements with your company. Therefore, I urge Acima to reconsider its stance and take appropriate action to remove this disputed account from my credit report. 

I appreciate your attention to this matter and request prompt resolution to ensure the accuracy and fairness of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, my Chase checking account was closed without prior notification. An amount of {$5100.00} was withdrawn from my account, which caused financial hardship as I relied solely on Chase for my deposits and had to borrow money to cover essential expenses. I contacted customer service twice, receiving conflicting information about the withdrawn funds and the reason for the closure. No timeline was provided for the investigation. Any investigation has a deadline, and what's the difference between an investigation without a deadline and a robbery, and what credibility does J.P. Morgan have?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
XX/XX/XXXX, I fell on hard times so I made a PayDay loan CashNetUSA, I made XXXX payments, for several months I was in negotiations for a Settlement, my last offer was {$870.00}, I offered this amount in or around XX/XX/XXXX but communication was never communicated back but rather my account was turn over to XXXX XXXX XXXX XXXX, XXXX XXXX is now using a XXXX party, XXXX XXXX XXXX to play some type of bate and switch game, so Im reaching out to you CFPB to inquire as to whether this {$870.00} is still on the table? Im also reaching out to the other Federal agency for Resolve! Its apparent that there are some underlining issues for which XXXX  XXXX XXXX XXXX are intending, but I only want to Settle this foolishness Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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