vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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:
There is an account on my credit report that is reporting late payments in XXXX and XXXX of 2017 which is incorrect. I was never late on this account and Experian is the only credit reporting agency reporting this information. The account name is XXXX XXXX XXXX XXXX and listed with no account number which is a violation of the FCRA. Furthermore, the statement on my credit report says that it was " past due two or three times ''. This is not accurate reporting and does not meet FCRA guidelines. I am requested that XXXX XXXX XXXXXXXX XXXX  submit an AUD to Experian to fix this error, and they stated that Experian is reporting the status incorrectly, not them. XXXX and XXXX do not report this error. At this time, I am only asking for this account to updated to paid as agreed or removed from my credit report. If this is not fixed within 30 days, I will have no choice but to proceed with legal action due to clear violations of the FCRA and defamation of character. Please see the attached credit report and update this account immediately.

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 2024-01-24 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: WA

Complaint narrative:
I did not owe the XXXX XXXX that sold their roster of debt to them. The building was abandoned post covid. I was told by management countless times that I could leave the property before the end of my lease term due to theft, assault, homeless people living in the stairwells, and people coming to my door threatening me. I filed several police reports. Due to the building being abandoned, there was no way to pay by check and I was forced to pay online and pay an additional fee each month. When I moved out there was no one there to come and do a final walk-thru. This place was a nightmare and once I could afford to leave I did. I have been called and harassed by Genesis despite my telling and showing them proof that I did not owe them anything. They have not placed collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
In XXXX of XXXX my spouse received and email requesting that I contact a debt collection agency. Upon calling them, I discovered that my Banana Republic credit card balance was past due and had been sent to collections. I have never received any notices to this effect and was never sent a bill and the company never attempted to contact me to notify me of the past due balance. Upon further investigation I found out that XXXX XXXX  had sold the Banana Republic account to Barclays. I was never notified of this change and never contacted by either of those companies. In fact, neither company had my correct billing address or phone number. I have lived at my current address since XXXX and changed all of my addresses upon moving which means XXXX provided incorrect data during the transfer to Barclays. 

I had automatic payment set up so my balance would be paid off each month and I would not have to worry about past due balances. I'm assuming this automatic payment arrangement didn't transfer over when Barclays took over the account. Had I been notified of this transfer of ownership, I could have prevented this from happening. 
I have opened a dispute with the credit reporting agencies and tried several times to contact Barclays to pay off the original balance which as only {$72.00}. ( I have been sent to collections for {$360.00} with interest. ) That absolutely was my debt but since the account has been transferred apparently they were not able to take the automatic transfer from my bank account as they had been doing in the past. 

Once again, no attempt was made to contact me by either company involved. XXXX and Barclays have an obligation to ensure that they have all customer information correct and notify customers of any changes to their account. Since this was never done in my case, I'm filing a complaint against both of these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding an unauthorized hard inquiry on my credit report. The inquiry in question is from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

I have not provided any authorization for such an inquiry, and I believe this action is in violation of my consumer rights. I request your assistance in investigating this matter and facilitating the removal of this unauthorized inquiry from my credit report. 

Please find the details of the unauthorized hard inquiry below : Creditor : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I kindly ask for your prompt intervention in resolving this issue and ensuring that my credit report accurately reflects only authorized activities. 

Thank you for your attention to this matter, and I appreciate your assistance in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I applied for An Extension Of My credit as the true creditor. I was Falsely denied My Extension of Us Cod 15 1611 & 12 US Code 1411.I stated that false and misleading if ones own credit is Illegal. I asked to speak with the underwriter and they also denied me. I asked for a copy of my Credit Application they didnt comply. This matter has held up the growth of my business and more. After I was denied, ask request that they remove the hard inquiry from my credit report, because a hard inquiry is considered a transaction for one extension of credit I didnt receive. I also ask.

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 2024-01-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I trust this message thinks that you are well. I'm writing to communicate my XXXX  and present a objection to EXPERIAN with respect to the inappropriate utilization of my credit report and the revealing of wrong data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of directing a legitimate examination, after exploring my credit report, I found that incorrect data continues. The errors incorporate yet are not restricted to, the date opened, date of last action, date announced, account status, and installment history. Despite the initial request for an investigation, such inaccuracies continue to appear on my credit report, which is disheartening. I trust what is going on encroaches upon my privileges as illustrated in 15 U.S.C 1681 segment 602 A, which stresses my right to protection. Moreover, 15 U.S.C 1681 segment 604 A Part 2 specifies that a shopper detailing office can't outfit a record without my composed guidelines. I generously demand a careful survey of my case and the brief adjustment of the mistakes in my credit report. Your collaboration in settling this matter is profoundly valued. That's what I believe, as a legitimate credit detailing office, EXPERIAN will do whatever it takes to redress what is going on and guarantee the exactness of the data in my credit document. In support of this complaint, I have attached an FTC report with the number 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 2024-01-24 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: MI

Complaint narrative:
my complaint is in regards to an item posting on my credit reporting derogatory as XXXX XXXX Acct XXXX XXXX opened XX/XX/XXXX this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed. 
FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account

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 2024-01-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
my complaint is in regards to an item posting on my credit reporting derogatory as XXXX XXXX Acct XXXX XXXX opened XXXX this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fifth Third Bank is by far one of the worse banks I've even encountered in my life. Everything from their management policies to their poorly trained telephone staff. In short ever dollar I had was stolen out of my accounts by a criminal in the XXXX, MA area. I'm in the XXXX area . I couldn't get anyone over at that bank to understand what happened. My accounts were involved in act of fraud/theft. The bank had me wait 4 days to speak to the wrong dept due to a holiday weekend. The reason I spoke to the wrong dept. is because I was horribly misinformed on XX/XX/XXXX. Additionally, the criminals who stole my money advanced money off future earnings tied to direct deposit accounts. Also known as early advance accounts. I'm considering legal action against fifth third for the fumbling/mishandling of this fraud event. XXXX XXXX received a letter on XX/XX/2024 indicating that transactions occurred on the account without my knowledge. This was a mailing by the bank with their letterhead indicating they knew criminal action most likely occurred but did nothing meaningful to help out in a timely way. A total of 5 debit card transactions took place on our account and the bank did not stop it. A total 3 illegal funds transfer transactions also took place. They are leaving my accounts in the negative for days on end. We took the only timely correction action we could and re-routed our payroll direct deposits to another bank. This bank has the potential to push negative credit data to the bureaus for long standing negative accounts. All related back to an issue that we had no control over. The credit needs to be issued back to the account immediately. We looked into other banks and this is not the industry standard for theft. This is a practice that fifth third does in order to avoid helping their customer 's and protect their bottom line. If you have fraud on all your banking accounts and you have every XXXX cleaned out? How are you expected to live? I will include evidence and details for a case file I started regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are erroneously reporting me as late.

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 2024-01-24 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX contacted US Bank about some charges that should not have occurred by a vendor resulting in fees access by the bank. I explained to the bank that the vendor had been notified and that they were refunding the charges, the customer service rep told me that it takes 48 hours for them to see the refund and when it appears then the bank would remove the fees and that I should see the removal of the fees on XX/XX/XXXX and I didn't need to do anything else. The vendor did in fact refund the account on XX/XX/XXXX as agreed. 

On XX/XX/XXXX I received a letter from US Bank indicating that the account had been closed for being overdrawn and that I owed {$59.00} to a collection agency. On XXXX XXXX I contacted the XXXX XXXX in XXXX XXXX, XXXX  and spoke to teller inquiring about the letter she pulled the account up and saw the refund and transferred me to a manager at this point the manager indicated that this was not their branch 's account and had XXXX from the XXXX branch call me. We discussed the letter and he agreed to waive the collect fees but couldn't reopen the account however, if I wanted to open another account I would need additional money to do so. I contacted the collection agency about the fees and they said just let the bank know that I had talked with recovery and since it was a bank error they should take care of the account. 

After careful consideration I decided that I shouldn't have to come up with more money to reopen an account and that the XXXX in fees that the bank charged should be used to open another account. I went into the XXXX branch and spoke to the rude manager who again said I needed to talk to XXXX at XXXX because the account didn't belong to that branch and wouldn't you know it right after I left her office who calls but XXXX stating that he over spoke when he said that he could waive the collection fees, something about he sent it in and it can't be done, I did ask for a copy of the request and he claimed that since it was online form that he couldn't send it to me. I tried calling the customer service number and spoke to XXXX said that once an account is close that nothing can be done she stated that 2 letters were sent out to me but I never got them because I would have responded. I asked for management but she put me on hold and eventually hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 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: MI

Complaint narrative:
my complaint is in regards to an item posting on my credit reporting derogatory as XXXX XXXX Acct # XXXX opened XX/XX/2021 this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
Subject : Urgent Request for Removal of Unauthorized and Unverifiable Item from Credit Report Dear Self Financial, I am writing to express my deep concern regarding the unauthorized reporting of items on my credit report by your agency. I have never provided consent for Self Financial to access my credit report, and this infringement on my privacy raises serious concerns of identity fraud. 

I want to emphasize that even in cases of permissible purpose, the consumer 's consent is paramount, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( B ). Additionally, Georgia state law, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), requires consumer consent for such activities. I have not granted permission for the inclusion of this item within my consumer profile, rendering the reported item unverifiable.

Unless Self Financial has a court order or my explicit consent, you do not have permissible purpose to report on my credit. I do not consent to such actions, and I expect compliance with this requirement.

I demand the immediate removal of this unauthorized and unverifiable item from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and relevant Georgia state laws. I assert my right to have this matter resolved within 30 days from the receipt of this complaint, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ) i ) and corresponding Georgia statutes. Failure to comply within this timeframe will be considered willful noncompliance, in violation of FCRA Section 616 and Georgia state law.

Additionally, I request that Self Financial provides a written document from me, the consumer, that explicitly grants permission for your agency to access my consumer profile, as required by FCRA Section 604 ( a ) ( 2 ) ( A ) and Georgia law. This document should be submitted promptly.

I trust that you will address this matter with the urgency and seriousness it deserves, in compliance with both federal and Georgia state laws. I appreciate your prompt attention to this issue and expect a resolution within the stipulated timeframe.

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: LA

Complaint narrative:
I looked over my credit report and notice that. there were some unauthorized inquiries. This is negatively affecting my credit and hindering me from being able to purchase my first home. According to the FCRA this is a violation. These are the inquires as follows XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. This is defamation of my credit reporting history please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Somebody opened an account in my name without my permission. I notified the bank and they refused to assist me unless I provided more personal information, which I was not willing to do considering there was fraud involved in opening the account

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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
My very first payment I paid XXXX $ I was told it satisfied 3 months of payments. They actually put the money towards principle and charged me late fees for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
I pay all my bills on time have had my card for over a year, one day I logged on and was offer a line of credit I took a look at it gave some information then decided I did not want the line of credit. Then I started receiving emails form discover asking me to sign something so they could get my taxes from the IRS, I ignored it because I decided I did not want the personal loan, then today I get an email saying my account have been closed because I did not verify my tax info. Now they say I need to reapply for the credit card that I already had for more than a year and I just used it during XXXX and paid it off

Company response to consumer: Closed with explanation