vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: NC

Complaint narrative:
Genesis Credit Management reported to XXXX that I had an account with a zero balance. When I called the company to see what this was they asked for my SS #. I told them I wasn't comfortable giving that information to them because I suspected fraud and I asked them to see if they could see an account with my name. They told me they didn't have account under my name. At this point I intended to just dispute the claim, however, the company called me and told me I had a balance of {$11000.00} for an apartment rented in XXXX from Pure Lowry- XXXX XXXX XXXX. I have been unable to get in contact with XXXX XXXX via Phone. The Company name in the email is COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX The collection company sent me a letter in the mail requesting more information to investigate the fraud. The requested a copy of my driver 's license, Proof of residence during the lease, and a police report. I have not provided that information to them and do not intend to at this time. I have copies of the letter that was mailed, the email with the lease agreement, and credit report. 

The lease agreement was signed in XX/XX/year>. I was deployed during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I'm writing to find out how to get Home Depot/Citibank to comply with the Credit Card Act of 2009. They are charging 29.99 % interest on all accounts without any disclosure on the card holder portal that can be found. They are also not engaging in any conversation that would allow for the reduction of this rate, regardless of the card holders FICA scores, credit history, or payment hygiene. 
~~~~ excerpt from the act of 2009 : Interest Rate Reductions If a credit card company can increase your interest rate based on market conditions, your credit score and other factors, it must also consider those factors when deciding whether to lower your interest rate. Card issuers must review such accounts every six months ( at a minimum ). If the factors have changed in the customers favor, the issuer will likely be required to lower the rate. For instance, if your credit score declined and the credit card company increased your interest rate, it must lower it if your score goes back up to its original point. Rates must also be reduced if a penalized customer makes six consecutive on-time payments. ~~~~ We've had an account with this company for XXXX years, and we have extremely good credit ( XXXX ) with a consistent record of over paying on our account. 29.99 % is verging on predatory interest rates and gouging at a minimum. What recourse do we have? Thank you for your time, XXXX XXXX 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 explanation
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX I want to dispute and delete this off 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 2024-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
I lived at XXXX  XXXX XXXX XXXX apartments XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and moved out because my vehicle was robbed in the parking lot, and I did not feel safe. On the lease was myself XXXX XXXX XXXX, my girlfriend XXXX XXXX, and roomate XXXX XXXX. The staff at the XXXX had all of our contact information to include phone numbers, emails, and forwarding address ( we all moved to another location together ) at XXXX XXXX XXXX XXXX, XXXX FL. I was ill and in was not able to XXXX the final clean out. My roomates were suposed to do a deep clean of apartment. We never heard anything from any representative from the XXXX, and then on XX/XX/XXXX XXXX stated that she had a debt collection that she just found on credit report. On XX/XX/XXXX I checked my XXXX XXXX, and it showed that 3 days ago my score was XXXX, and it dropped to XXXX. It said I had a collection from Sentry Credit INC. XXXX XXXX XXXX, XXXX XXXX phone XXXX ) XXXX for a XXXX XXXX XXXX ( collections ). I called Sentry and they said the debt was for {$1000.00} and it was from a cleaning fee, and carpet replacement. We only lived in apartment for 3 months. The XXXX never called, emailed, or sent mail to us to tell us we owed a cleaning fee or carpet fee. If so I would of disputed that amount. If they could show that the cleaning was not done I would of paid the debt. Instead at some [ oint they sent to a debt collector ( Sentry ), who never contacted me or informed me of the debt, but submitted it to the credit buroughs. When I spoke with them they stated they talked to XXXX on XXXX XX/XX/XXXX and she disputed the charges, but they have not heard from the XXXX yet. I am filing complaint that my credit score has drastically dropped which has a high impact on my life, and has made XXXX lose a new home loan. They never informed me of the debt, and never gave me a chance to clear the debt before reporting. By their own admission XXXX disputed the charges, and they have not heard back to conclude if dispute is valid, yet they still sent collections to the credit buroughs. I want this debt removed from collections, and my credit score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I call Experian on XX/XX/year> Informed them that my credit report was not showing. They gave me a site and wish to upload my license, Social Security card and utility bill. I tried multiple times to upload it. This system is flawed. I called back they told me to send in the information. I sent the information on or around XX/XX/year>. I called back in to check to see if they received the information they did not. They need to fix their uploading system, which it asked you to put it in a XXXX  format any photos or upload in XXXX  format This is a stall tactic.

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 2024-08-12 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: VA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XXXX XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: OH

Complaint narrative:
I have had my SSN stolen and six false accounts in FL and TX have been sent to collections. 

I noticed Phoenix Recovery Group in XXXX on all three credit reporting agency accounts I sent a request for validation of debt on XXXX read receipt requested The company recieved it on XXXX I received the debt validation letter in XXXX postmarked XXXX XXXX XXXX I reviewed the information to find that only my name and SSN were correct Here is a list of incorrect information : * Job history - companies I have never worked for that do not show up on the CRAs. No accurate companies are in their provided validation * Previous addresses in XXXX. I have never lived as an adult in XXXX- I have lived in XXXX for over 30 years * Invalid photo ID - photo was of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is very obviously wrong I sent a cease and desist letter on XXXX XXXX XXXX. This was received on XXXX I re-disputed this debt w/ the CRAs again first week of XXXX XXXX XXXX XXXX XXXX I am still receiving robo calls and the accounts remain as collections on the 3 CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
We were working with the Shellpoint Mortgage servicing to modify our loan to avoid foreclosure and we were not informed of the delay on their end to avoid the foreclosure. We have been actively working with them to provide all of the documents and we were just informed that they would not be processing the documents to postpone the auction of the home. We were under the impression from them that if we were able to provide all of the information needed they would be able to postpone as we work through the loan modification. We were informed today XX/XX/year> that we submitted everything but it wouldn't matter since there was not enough time for them to process. If we knew this upfront we would have tried to find an alternative solution to avoid the foreclosure. We wanted to work with Shellpoint to work on a solution but feel like we were not told up front that even though we submitted everything needed they were not going to be able to help us. We are now going to lose the home and could have found another solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
On XX/XX/year> I received an inquiry on my credit report I can transunion to verify my identity I told the. The only thing I should have on my file the XXXX for trans Union told me to file a report to have it removed

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 2024-08-12 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:
15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX I want to dispute and delete this off 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 non-monetary relief
Consumer complaint received 2024-08-12 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:
15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms Enhance economic stabilization Acct # XXXX, XXXX Acct # XXXX I want to dispute and delete this off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my XXXX XXXX and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-12 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: GA

Complaint narrative:
XXXX XXXX XXXX {$3800.00} unauthorized account reporting to my credit report XXXX XXXX {$3400.00} unauthorized account reporting to my credit report XXXX XXXX XXXX {$530.00} unauthorized account reporting to 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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I will be attaching emails that show after I was emailed about the debt, it was paid the next day, and the following payments were made. the amount of XXXX is still incorrect. It states this collection was open XX/XX/year> and my last payment was in XXXX, so it doesn't make sense. Also, the date of XX/XX/XXXX is incorrect, this collection emailed me on XX/XX/XXXX trying to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MECHANICS BANK
State: CA

Complaint narrative:
I have been speaking with rep XXXX concerning my car payments.I fell on financial hardship i fufilled my arranngement paying a car payment last month. She let me know the only setup for reposession once we are 75 day past due on a recorded call. we set a arrangement for me to make a payment on the XXXX to bring me under that 75 day mark. I've been getting harassed getting called and being hung up on, today the agent gave a threat og paying in 4 days going against what the other agent said..this needs to be rectified immediately... also when they call working from home they say they dont have the capabilities to transfer to. a supervisor this needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I will be attaching emails that show after I was emailed about the debt, it was paid the next day, and the following payments were made. the amount of XXXX is still incorrect. It states this collection was open XX/XX/year> and my last payment was in XXXX, so it doesn't make sense. Also, the date of XX/XX/XXXX is incorrect, this collection emailed me on XX/XX/XXXX trying to collect the debt.

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