vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am writing in response to your recent email offer and would like to request validation of the debt referenced in your recent correspondence, which I received on XX/XX/year>, via email. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification of the debt you are attempting to collect. Also attached is the email that was sent to my wife email on last night.

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 2024-09-16 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-16 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: AZ

Complaint narrative:
On XX/XX/XXXX of this year I applied oneline with Autopay, an automobiled loan/lease buyout lender for a loan to purchase my leased automobile from XXXX XXXX XXXX XXXX XX/XX/XXXX of this year my loan-lease buyout was finalized and I was forwarded an offer of contract by the lender/broker, of which I accepted and returned. As of XXXX XXXX of this year, the funding had not occured and was advised would not take place. This is bad faith and breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: Collectibles Management Resources
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 Account name : XXXX XXXX XXXX # XXXX ( {$920.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$120.00} ), Account name : XXXX XXXX XXXX XXXX ( {$4600.00} ), Account name : Collectibles Management Resources # XXXX ( {$2400.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$5900.00} ) has violated my rights. 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 an 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 2024-09-16 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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 Account name : XXXX XXXX XXXX # XXXX ( {$920.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$120.00} ), Account name : XXXX XXXX # XXXX ( {$4600.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$2400.00} ), Account name : Genesis Credit Management # XXXX ( {$5900.00} ) has violated my rights. 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 an 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 explanation
Consumer complaint received 2024-09-16 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: MA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-16 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: MA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a Capital One checking account, and my account was unexpectedly frozen. I was instructed to verify my identity, which I did in person at the bank over a month ago. After verifying all my documents, I was told to wait. Ive since followed up multiple times, both in person and over the phone, and was repeatedly told to wait, with no resolution. 

Today, I was informed again that I need to wait further. This process has been unreasonably time-consuming, and all of my documents, including my phone number, have been verified. I asked how much longer I have to wait, and the representative could not provide an answer. 

I am requesting to close the account and have my money returned, but I was told I would have to wait even for that. It is unreasonable to expect me to keep calling for updates. You should be contacting me with the resolution, not the other way around. This situation is unacceptable, and I believe it is a violation of the agreement and my rights as a customer. I demand a prompt resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
I applied for a Destiny Mastercard in XX/XX/year>, I received a billing statement in XX/XX/year> for annual membership fees. I called the credit card company and was told the credit card was mailed to me in XX/XX/year> ; however, it was not activated. I requested the account be closed due to not wanting a random person to receive and activate the credit card as I live in an apartment complex. I was told the balance would reflect XXXX and no liability towards me due to the credit card not being activated after 60 days of issuance. Last week I received a notification from credit wise that my credit score had decreased due to this account being closed. I called the credit card company again and requested they remove the account from my credit file since it was never activated and/ or used. The customer service representative said they can not remove a closed account. Today I reached out to XXXX regarding this account and was advised that the credit card company could remove the account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: PA

Complaint narrative:
My credit score is very low due to identity theft. I have multiple accounts on my credit report due to be fraudulent accounts. Ive been reaching out to Equifax about this matter and they continue to ignore me. Ive been having trouble buying a house because my credit score is very low due to Equifax not deleting the accounts, which I asked them to do. This is an inconvenience to my life if I didnt have family members to support me I would be living on the streets, thanks to XXXX I have a roof over my head for the moment. Ive sent Equifax multiple documents, such as my ID, Social security card, FTC report, Police Report, Multiple Dispute letters, also laws stating that they are violating my rights. Between XXXX XXXX they deleted the closed the accounts for good and a few days later they reappear back on my credit report! Equifax is giving me a hard time to delete the accounts. Ive since then took legal action to file a complaint and lawsuit with Equifax my lawyer has set everything up for me to do so. This is my last time reaching out to Equifax for this matter Im taking Equifax to court. Due to many laws my lawyer has taught me that Equifax arent doing their job its multiple inaccuracies on account they are not reporting the right information! Hopefully they can get it together and delete the accounts before I pursue the issue. I just want the accounts the deleted that I asked for. Also on my other Credit reports these accounts where deleted by other credit bureaus. This is an inconvenience to my life right now I just want these items deleted!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern and disappointment regarding the fraudulent business practices we have experienced with Aqua Finance. This company has been engaged in deceptive tactics, including false advertising, high pressure sales tactics, scare tactics, hidden fees, and misleading product claims. These practices not only violate consumer protection laws but also erode trust and confidence in the vendor. As consumers, we feel betrayed and misled by this company 's actions.

We contacted Aqua Finance many times regarding the tactics used and were told that they are not responsible for the actions of the sales force representing their product. 

We also contacted Aqua XXXX XXXX XXXX, the seller, multiple times about the water system itself. It has not worked properly since the beginning. We have had maintenance & plumbing problems with the unit. Once we called about the sensor that is inside our house to monitor XXXX and salt use, and the tech from XXXX XXXX told us to just throw it away because it does not work anyway. They would not provide a replacement. 

We have been paying for this system for 5 years and we still owe a substantial amount as balance, which is most of what was financed. Most of the monthly payment goes to interest and the balance never seems to be reduced. At this rate, the balance will be repaid, if ever, long after the original agreement. We demanded a refund and the termination of the agreement from Aqua based on the performance of the system and misrepresentation, and they refused. 

I urge you to take immediate steps to rectify these unethical practices and have this company take responsibility for the harm caused to consumers, like us. We would like to get a full refund of the money we have wasted. We feel we have been swindled. 

We look forward to discussing these matters with you and seeing if we can bring this nightmare to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel By the silence of Engelhardt v Gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX Balance {$25000.00}, XXXXXXXX XXXX XXXX  Balance {$1200.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX {$650.00}XXXX XXXX XXXX balance {$9200.00}, XXXXXXXX XXXX XXXX {$12000.00}, XXXX XXXX balance {$33000.00}, XXXX Dept of Ed balance {$11000.00}.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from 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 XXXX 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 non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
15 USC Chapter 41 subpart II-A section 1679c. ( a ) Disclosures states that any credit repair company has to issue a disclosure statement It provides that : Consumer Credit File Rights Under State and Federal Law " You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any 'credit repair ' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. ' The information being reported on my credit report by Equifax and XXXX XXXX is over 7 years old. It is not a bankruptcy. I want this item removed permanently. I've already reported to CFPB once and nothing was done. I will continue to fight this. Again, Equifax is only doing this because I am a person of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have serious problems with the continuous inconsistency of my name in the different credit bureaus, despite having sent my driver 's license where my name is seen, I still have more than 9 different names among the 3 credit groups. 
On my XXXX credit report, I have XXXX different names, XXXX wrong addresses, and the wrong employee position. 
On my XXXX credit report, I have XXXX different names XXXX Wrong address, and the wrong employee position. 
On my TransUnion credit report, I have XXXX wrong address, wrong phone number, and wrong employee position.

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 2024-09-16 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: FL

Complaint narrative:
I have serious problems with the continuous inconsistency of my name in the different credit bureaus, despite having sent my driver 's license where my name is seen, I still have more than XXXX different names among the XXXX credit groups. 
On my XXXX credit report, I have XXXX different names, XXXX wrong addresses, and the wrong employee position. 
On my Equifax credit report, I have XXXX different names XXXX Wrong address, and the wrong employee position. 
On my XXXX credit report, I have XXXX wrong address, wrong phone number, and wrong employee position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXXC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief