vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the 4 student loan trade lines on my credit report, or federal student loans with Experian more than 4 times and received an unsatisfactory outcome. I am a class member of XXXX XXXX XXXX. The settlement agreement requires the student loans to be removed from my credit report. Experian and XXXX continue to update the trade line loan balances every time I dispute and request a deletion.

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 2024-03-24 00:00:00
Product: Debt collection — Telecommunications 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: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Collection Agency Violating Consumer Rights Dear Sir/Madam, I am writing to file a formal complaint against Columbia Debt Recovery LLC , regardiXXXX their violation of my consumer rights under the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ). Despite my repeated requests, Columbia Debt Recovery LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Consequently, they have placed a collection entry on my consumer report without furnishing the necessary validation information, thus infringing upon my rights as a consumer. Furthermore, I have not been afforded the opportunity to dispute the account in question as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The failure of Columbia Debt Recovery LLC to adhere to this regulation denies me the fundamental right to challenge the accuracy of the reported information. It has become evident that Columbia Debt Recovery LLC engaging in practices that are not only unethical but also illegal. Their actions include the use of false, misleading, and deceptive means, which directly violate consumer protection regulations. Moreover, Columbia Debt Recovery LLC has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law, as stipulated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their disregard for these legal obligations is a clear violation of my consumer rights and undermines the integrity of the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
J Jefferson Capital systems is reporting a a XXXX bill from XXXX. I do not have a XXXX account let alone a XXXX account from XXXX. When I disputed this on my credit report it came back as verified. They have no proof that I had a XXXX account in XXXX when I contacted them yet they are still reporting to the credit bureaus that I have an account with them for a XXXX phone from XXXX. 
JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Since XX/XX/XXXX, I have not added any accounts, loans, or used any credit cards, my score was XXXX. There was just one account that was closed in XXXX and I've made no changes. In XXXX months time ( XX/XX/XXXX to XX/XX/XXXX ) Transunion lowered my score from XXXX to XXXX. 
The account I had closed in XXXX reappeared onto my credit report. 
I disputed this account with them and they removed it off my credit report. However, it's now been XXXX months and they have made no changes to my score after they made the initial error.

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 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX. I HAVE BEEN IN BUSINESS WITH XXXX FOR ALMOST 4 YEARS. I FIRST WENT FOR LEASE OF A XXXX XXXX XXXX ON XXXX OF XXXX THE XXXX NUMBER OF THAT VEHICLE IS XXXX AND THIS VEHICLE WAS IN AN ACCIDENT ON XX/XX/XXXX OF XXXX. I WAS SUPPOSE TO TAKE MY VEHICLE TO THE TOYOTA BODY SHOP IN XXXX. I WAS TOLD MY VEHICLE WILL BE READY IN 2 WEEKS. THE TWO WEEKS DRAGGED ON FOR A MONTH. WHEN I WENT BACK FOR THE VEHICLE I WAS PERSUADED INTO GETTING A XXXX XXXX AT NO COST. THIS XXXX WAS SOLD TO ME FOR THE PRICE OF {$34000.00} I HAVE BEEN PAYING THIS VEHICLE FROM XX/XX/XXXX TIL XX/XX/XXXX WITHOUT MISSING A PAYMENT AND I STILL OWE XXXX XXXX XXXX ACCORDING TO TOYOTA. I TRIED TO SELL THIS CAR BECAUSE I AM XXXX TEMPORARILY AND CAN'T WORK DUE TO MY XXXX AS I AM AN XXXX XXXX AND THESE PEOPLE HAVE MY PAPERWORK AS A LEASE. I would like to get out of this contract. OR I WILL FILE FOR BANKRUPCY. EVERY TIME I CALL I'M TOLD IT IS FINANCED BUT EVERYWHERE ELSE IS BEING TOLD THAT I AM ON A LEASE. THERE IS A RANDOM REPORT ABOUT XXXX XXXX THAT IS ON MY REPORT AND NO ONE CAN TELL ME WHO AND WHAT THIS IS AND WHAT ACCIDENT OCCURRED ON XXXX XXXX OVER TWO WEEKS AFTER I GAVE THEM THE CAR TO FIX. THE ACCIDENT HAPPENED MEANWHILE THE CAR WAS OUT OF MY HANDS DURING THE TIME IT WAS IN THE COLLISION CENTER. I WAS NOT TOLD ANYTHING BY INSURANCE BY NO ONE. I FOUND OUT LOOKING FOR INSURANCE THAT'S WHEN I WAS TOLD 3 YEARS LATER AND THERE WAS A {$27000.00} PAYOUT. I DON'T OWE ANYTHING FOR THE XXXX XXXX I WANT TO KNOW HOW I CAN GET OUT OF THIS CONTRACT BECAUSE I STILL OWE WHAT I ALREADY PAID TO DATE WHICH IS OVER {$30000.00} OR I WILL FILE FOR BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: GA

Complaint narrative:
The company is stalling keeping my credit score down, and causing me high-interest rates, and money. While they keep getting rich off of my low scores to keep their business profitable.

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 2024-03-24 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: NC

Complaint narrative:
On XX/XX/2024 and XX/XX/2024 I sent letters to TransUnion. 
So I'm writing to bring to your attention a concerning issue I have encountered with TransUnion and several companies reporting information to my credit file. 

Recently, I discovered discrepancies on my credit report related to late payments associated with accounts from the following companies : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXX Upon discovering these discrepancies, I promptly initiated a dispute process with TransUnion, requesting documentation to verify the accuracy of the reported late payments. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccuracies on their credit reports and receive documentation supporting the accuracy of disputed items within a reasonable timeframe. 

However, despite multiple requests made to TransUnion, they have failed to provide me with the necessary documentation within the required timeframe. This failure to comply with FCRA regulations has hindered my ability to address and rectify the inaccuracies on my credit report, thereby causing undue stress and frustration. 

I believe that the actions of TransUnion and the aforementioned companies are in violation of FCRA laws, which are designed to protect consumers ' rights and ensure the accuracy of credit reporting. 

I kindly request that your office investigate this matter and take appropriate action to ensure that TransUnion and the companies involved adhere to their obligations under the FCRA. Additionally, I seek assistance in obtaining the documentation necessary to resolve the disputed late payments on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt intervention and resolution of 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 2024-03-24 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: GA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX These accounts are involved in litigation. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 281 SW 715, 719. I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$2100.00} Opened : XX/XX/XXXX XXXX XXXX {$690.00} Opened : XX/XX/XXXX These accounts are involved in litigation. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I paid off a secured credit card & the rep advised they would not refund the deposit of {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC
State: NM

Complaint narrative:
This is my third complaint against United Wholesale Mortgage. While problems with delays and communication were still existent, this complaint focuses on the underwriting process that used inaccurate data and calculations to issue my denial. This was my second application for a loan assumption. 

I applied for the second time in XXXX of XXXX. The denial was issued in XXXX of XXXX. I was initially told by XXXX XXXX that my debt to income ratio was too high. I calculated my debt to income ratio multiple times during this process, and in fact had paid off a substantial car loan to bring it down significantly, and it was well below their cutoff. There were two errors, of which I am aware, with their calculations. First, they only assigned {$4000.00} of monthly income to me. This did not correspond to the average of two tax years ( I am self-employed ) that the representative told me was used to calculate income, even after accounting for some income that was disqualified by them. Second, they used a student loan payment that was 10 times ( {$550.00} ) the legal amount to calculate a student loan that was in deferment. Initially, they told me they use 1 % to calculate it. I have a XXXX XXXX loan. They are legally required to use .5 %. They then told me they used .5 % ( {$58.00} ) but that I would still not qualify. 

After having discovered such grave errors in their calculations for debt and income, I asked them to show me all the numbers they had used to calculate my debt, and to explain how they had calculated my income as their provided number did not correspond to their purported formula. 

UWM has a legal obligation to approve loan assumptions that qualify. I have a XXXX XXXX XXXX XXXX and have a firm understanding of how their formulas and calculations work. Based on the information that has been provided to me up until this point, my analysis shows their calculations are incorrect, and that my application should have been approved. I would like them to fulfill their legal obligation to approved qualified applications such as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
i received money from a friend for my prescriptions. i was unable to withdrawal the money to my account so my mom an sister added their accounts. it failed to transfer to my moms but it allowed me to transfer to my sisters XXXX XXXX account then venmo canceled the transfer 2 days later right before it was to deposit into my sisters account. they then froze my account and deactivated me. telling me i might get my money sometime in XXXX. this has been since the end of XXXX. I just want them to release my money to me. its not fraud its not liability its my money. This isnt right or fair to hold someones funds for over XXXX months a the possibility of never getting it back. just please release the funds. 

i also had been verified before all this but still uploaded my identification multiple times to the support account specialist department

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
[ Capital One Financial Corporation ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA ] NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, IN REGARDS TO CAPITAL ONE Account XXXX I am writing to notify you of a serious violation of my consumer rights by your institution. It has come to my attention that you have furnished my nonpublic personal information to third parties credit reporting agencies including [ XXXX, XXXX, XXXX ] without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. 

Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of {$1000.00} for each violation and adverse effects on my creditworthiness and financial standing.

Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a response from your institution within 10 Business days confirming that corrective measures have been taken and providing details of any restitution offered. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hi. 
I wanted to ask your company if there is anyway possible to help me remove a hard or soft inquiry that I mistakenly applied for the same Credit card I already have? I tapped the wrong option on the credit card account page, and I don't want it to show as a hard or soft inquiry. I already have too many Inquiries on my credit report. So I was hoping if there is anyway you can assist me in having this appearing on my credit report? I'd greatly appreciate it, if there is a chance to help me with this. I am a XXXX XXXX XXXX Veteran, if that would help me in anyway possible? And I am proud of my service to this Country and if I could do it again I would God Bless America and our Troops serving!!!

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 2024-03-24 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: TX

Complaint narrative:
Ive been contact experian, transunion and XXXX about these XXXX accounts for over 6 months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and all I get is computer responses.

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 2024-03-24 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: TX

Complaint narrative:
Ive been contact experian, XXXX and Equifax about these XXXX accounts for over XXXX months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and all I get is computer responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I called the debt collection to get them to remove the late payments. We came to an agreement. It has been removed on credit karma but not XXXX. It still shows the same late remarks. I have tried to contact the debt collection but the number is out of service.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called the mortgage on the request for verbal or written authorization for the HARD inquiry taken effect on XX/XX/2022. ( I was not aware this was done without my approval ). 

The other other are inaccuracies reflecting in my report which I send all 3 credit bureaus to make the correction.

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 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
In XX/XX/XXXX we were looking at the new complex XXXX, XXXX florida we sent a online request and paid {$300.00} as it asked and it didnt work, XXXX the agent said do it again I said no and we went there in person and saw her, my husband and I were told the apt we saw online was gone and she showed us another one, we said thank you and left never signed anything, never moved in or out. We resided at XXXX  XXXX XXXX  in XXXX Fl till our lease end XX/XX/XXXX and we bough a home in XXXX XXXX FL closed XX/XX/XXXX We then received letters from XXXX  for moving out early costs, they would not answer the calls, we live 2 1/2 hrs away now I tried XXXX left messages nothing, I saw on my XXXX  credit report now from columbnia debt recovery to pay them {$560.00} I sent a dispute through to show me proof of residency, a lease any documents there will be nothing and they will not answer me. I do not know what this agent did and want it fixed. I am XXXX, just had a XXXX XXXX  XXXX  XX/XX/XXXX and I cant go directly down there and try to have them talk to me. Thank you for any help you can render

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received my XXXX XXXX report and Capital One 360 has violated my privacy rights by reporting personal transactions to my XXXX XXXX report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and XXXX XXXX XXXX is not a part of XXXX XXXX. I counted 44 transactions reported and that's 44 violations that I ' am seeking damages. My account # XXXX

Company response to consumer: Closed with explanation