vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/2022 my wife and I received an email from our apartment complex ( thread will be attached ) that we failed to properly place our trash outside of our door for the valet service. They sent us a picture of the trash strewn out over the ground, and we had no way of proving that it was properly placed. There was some inclement weather after we placed it, or something that had caused the trash bags to be so disorderly. We never would have placed our trash out in such a disrespectful manner to be picked up after us. They then charged us {$25.00} for one too many bags put out. There was one too many bags because we needed to throw it away. But our balance was for well over the suggested penalty ( described in attached email ). They replied that their were no charges on my ledger. 2 years later now, my credit score has been dropped XXXX points because Columbia Debt Recovery collected a {$350.00} balance which was never disclosed to us. In fact, we had been in contact with multiple times since and each time we seemed to resolve the situation. Columbia Debt Recovery never even contacted us to allow us to dispute. The amount XXXX XXXX claimed we owed them changed multiple times, and people we had been on the phone with quite honestly seemed embarrassed of how our situation was being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: GA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: Experian Information Solutions Inc.
State: GA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
etters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity/Ulta is purposely messing with my funds and livelihood. On a monthly basis I schedule my payment 3 days prior to it being due. Every month I get a returned check fee from them and my back which is an extra {$70.00} per month in fees. They take over a week to withdraw my payments when I have other monthly bills that come out like clockwork. 

Comenity is the only card I constantly have issues with and I know they do this on purpose to constantly charge me added fees. Not only have they hurt me financially but they keep decreasing my limit and it has also affected my score. You can see that my history shows clearly I submit payment timely before the due date and every month they make me out to be as if I don't pay my bills and then cause me to incur fees. This has got to be stopped and they should be investigated and shut down. I can't wait until I no longer have to deal with this card company. Never again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I think the account might not be valid. Westlake Portfolio Management. must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records. WESTLAKE PM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Check my credit and seen several inquiries regarding approval for credit that I didnt not authorize nor approve

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MS

Complaint narrative:
At this point in time, XXXX, Equifax and XXXX are in violation of XXXX XXXX XXXX ( p ). I requested for unauthorized inquiries to be removed from my report. To my knowledge this information still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
This is about a previously closed complaint, XXXX. 

I was sent a loan modification that stated my new loan payment would be {$2800.00} a month and that I had to pay the past due XXXX payment of {$3100.00}. I paid the past due escrow, and then UWM Changed the terms of the modification and increased my payment to {$3400.00} a month. 

I was told that the modification payment would be at or below my previous payment of {$2800.00}, and that is not the case. My payment has increased to {$3400.00} ( a {$560.00} increase ). This is unfair, and the entire process with UWM has been misleading and deceptive. This process has gone on since XXXX of 2023. 

They claim there was a tax and hazard insurance increase, but they should have known this when they did the modification and extended the terms of the loan or modification accordingly to keep my payments lower. I have been treated unfairly and misled. 

XXXX XXXX XXXX XXXX # XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: LEXISNEXIS
State: MS

Complaint narrative:
I did two disputes and neither removed that information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
At the beginning of XX/XX/2024, I applied for loss mitigation after getting behind on mortgage due to loss of income. I applied for a partial claim and got approved, I called, emailed multiple times, and didnt get a response until XX/XX/XXXX, stating that my partial claim final documents were finally processed and sent out. XX/XX/2024, I signed, notarized, and submitted these documents on Shellpoints online notary service, AS THEY INITIALLY REQUESTED, over a week later and my due date is XX/XX/XXXX, stating that they havent received them. I have digital and paper copies, and they refuse to let me send them without a third-party, and I have warned them I am ready to hire an attorney. They are now trying to hang the possibility of foreclosure over my head on something that has been out of my hands for a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
Within my Mohela account, I was notified that XXXX XXXX payments had been fulfilled on XX/XX/XXXX. Within XXXX weeks, my balances were at {$0.00}. 

On XX/XX/XXXX, I received the official notice that my accounts had been paid off. 

On XX/XX/XXXX, after trying to call to speak to an agent XXXX times but getting the automated run-around, I emailed to request that they be removed from my credit report. Their automated message says they report to credit bureaus at the end of every month, but it appears ( according to what I've seen in my credit report ) that they only report active balances. I have XXXX paid off and XXXX open. 

On XX/XX/XXXX, I attempted to call again from the number on my credit report. I was circled repeatedly, and pressing " XXXX '' to speak to an agent appeared XXXX because nothing happened. I haven't been able to talk to an agent since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
ON XX/XX/2024 I WENT TO THE ATM MACHINE OF THE BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX -- -- I TREID TO WITHDRAW {$1500.00} -- THE MACHINE WENT THROUGH IT'S NORMAL PROCESS UNTIL IT GOT TO THE END TO DISBURSE THE FUNDS -- NO FUNDS CAME OUT OF THE MACHINE AND ON THE ATM SCREEN IT STATED THAT MY TRANSACTION WAS CANCELED AND I WOULD RECEIVE MY FUNDS BACK IN MY ACCOUNT. ALTHOUGH I THOUGHT IT WOULD BE IMMEDIATELY- IT WASN'T. I WAITED UNTIL THE NEXT DAY XX/XX/2024 TO CALL AND SUBMIT A CLAIM -- WHEN I WAS TOLD THERE WOULD BE AN INVESTIGATION AND A TEMPORARY CREDIT WILL BE APPLIED TO MY ACCOUNT IN A DAY OR XXXX -- -NOTHING HAPPENED. SO, I HAVE CALLED EVERY BUSINEES DAY SINCE -- STILL NOTHING -BUT TO TELL ME THAT THE TEMPORARY CREDIT HAS BEEN APPROVED AND THEY HAVE UP TO XX/XX/2024 TO GIVE IT TO ME. I EXPLAINED TO THEM THAT THIS WAS MY LAST AMOUNT OF FUNDS I HAD TO LAST ME SOME TIME AND IT WAS VERY IMPORTANT FOR THEM TO ASSIST ME IN GETTING IT RIGHT AWAY- ALL THEY COULD DO IS TO IT KEEP REMINDING ME THAT IT WAS NOTHING THEY COULD DO BUT WAIT ON A CLAIMS TEAM. I CAN'T BUY GROCERIES-PAY BILLS OR TAKE CARE OF MY EVERYDAY ACTIVITIES. I FEEL THAT THIS IS A HUGE MISTAKE ON BANK XXXX XXXX PART- AND THEY NEED TO FIX THIS -- THEY ALSO SAID THEY WILL COMPENSATE ME FOR ANY LATE FEES THEY XXXX OCCUR DURING THIS PERIOD

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