vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XXXX - Upon review of my account balance as I do daily, it was discovered that a charge to XXXX with XXXX XXXX with a Transaction Amount of {$150.00} appeared on my list of transactions. I immediately call and notify a representative at Barclays that I didn't recognize this charge or make this purchase at XXXX for a {$150.00} and that the last place I used the card was at XXXX  for {$5.00} and this is where someone had to make the fraudulent charges. The XXXX Charge appeared after my XXXX  Visit. Account ending in XXXX. 

XXXX - Letter from Barclay with a date of XXXX. The letter states that they have completed our investigation and have determined the activity is valid because the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. Account ending in XXXX. 

XXXX - Upon receipt of the Barclay letter dated XXXX. I immediately contacted Barclay representative on XXXX and spoke with XXXX who identified himself as the Manager. The case was re-opened ; however, XXXX made it very clear that the {$150.00} charge from XXXX was valid. I strongly disagree with this because I very, very, very, rarely eat at XXXX and when I do, I used a gift card and the most I have every purchase from XXXX in one transaction was less than {$40.00} for a family of four. Who spends {$150.00} at XXXX. I rarely spend that amount at XXXX XXXX, XXXX, XXXX  and any other sit-down restaurants. 

XXXX - Letter dated XXXX from Barclay referencing account ending in XXXX which is the primary card holder. The letter stated that we have completed a detailed review of your claim and, based on the information available, have concluded that the transaction ( s ) you identified are not fraudulent. We have updated our records to reflect that the investigation into your fraud claim has been completed. 

Please refer to your next monthly credit card statement ... ... ... ..., as stated in your Cardmember agreement. 

If needed, we are sending updated information about your account to the Credit Reporting Agencies. If the disputed amount has not been paid, it will remain as a discrepancy on your credit report. If you would like to dispute any discrepancies on your credit report, we as you to contact one of the following consumer reporting agencies listed below.

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 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting of Identity Theft by Genesis Credit Management Dear Sir/Madam , I am writing to formally file a complaint against Genesis Credit Management for their continued and unlawful reporting of an account on my credit report that is a result of identity theft. Despite my numerous attempts to resolve this matter directly with Genesis Credit Management, they have failed to take appropriate action to remove the fraudulent account. 

Details of my complaint are as follows : XXXX. Account Information : The fraudulent account being reported by Genesis Credit Management. 
XXXX. Identity Theft Proof : I have provided Genesis Credit Management with comprehensive proof that the account is not mine. The documentation includes : A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Proof of my identity, including copies of my drivers license and Social Security card. 
Additional documentation demonstrating that I was not associated with the account in question.

Despite submitting this information, Genesis Credit Management has neither removed the erroneous account from my credit report nor provided any response or acknowledgment of my dispute. 

Violations of the Fair Credit Reporting Act ( FCRA ) Genesis Credit Managements actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX. Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information within 30 days. 
XXXX. Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof. 
XXXX. Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 

Demand for Immediate Action I demand that Genesis Credit Management immediately : XXXX. Remove the fraudulent account from my credit report. 
XXXX. Provide written confirmation that the account has been removed. 
XXXX. Cease any further reporting of this fraudulent account to all credit reporting agencies. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Genesis Credit Management to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: Global Lending Services LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX : {$1400.00} I believe the information being reported to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
I've recently reviewed my credit reports and I noticed these inaccurate accounts. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT NUMBER XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I was never given notice that my car would be repossessed. I was never given notice of the date my car would be sold at auction. I was never given notice the amount my car was sold at auction. I was never refunded money for my auto warranty and Gap Insurance. Balance showing is {$26000.00} which is incorrect.

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 2024-07-02 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: NY

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-07-02 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: NY

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card
account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
XXXX XXXXXXXX XXXX  had made false statements regarding my rental agreement and lying about a lot things on my credit report regarding the collection. I moved into a XXXX bedroom XXXX XXXXXXXX. I have a video walkthrough and pictures of the XXXX whenever I moved in. There was multiple things wrong with this apartment. The oven did not work for three months that I lived there. My refrigerator broke a total of four times in a six month span. I reported to the office on XX/XX/year> of the water damage and the sliding glass door. Worst of all there was black mold everywhere in the XXXX. The ceiling leaked water whenever it rained and would fill up in the carpet. I had a health inspector inspect the XXXX They told me they have a total of six months to fix the issue. The issue was not properly fixed I have a list of dates the water leaked through the ceiling with dates showing the various times it rained. When I gave my thirty day notice they would not do the walk through of the XXXX They wouldnt take the key either. I put the keys and mail keys in an envelope and put it in the drop box at the office. I have video evidence of the day I moved out of the snow melting on the roof leaking through the ceiling down the wall XXXX. In Kansas- If your landlord does not provide habitable housing under local and state housing codes, a court would probably conclude that you have been " constructively evicted ; '' this means that the landlord. by supplying unlivable housing, has for all practical purposes " evicted '' you, so you have no further responsibility for the rent. Kansas law ( XXXX XXXX. XXXX. XXXX XXXX ) Ive tried reaching out to XXXX XXXX XXXX  over the phone about the collection only to be cursed out. Ive filed a dispute on XXXX against MARS INC which is the collection agency who has the information regarding XXXX XXXX XXXX. I talked to MARS INC on the phone and they received my photo documentation and videos. They have not done anything about it.XXXXXXXX XXXX XXXX are scam artists and have been getting away with stealing from innocent people. Im not the only individual that this has happened to read the reviews on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
I recently reviewed my credit reports, and I noticed these inaccurate accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions.

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 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I put a down payment on my car back in XX/XX/XXXX for a {$9000.00} car. My down payment was {$4000.00} and as of XX/XX/XXXX Im still at {$8800.00}. I have been submitting all my payments on time ( {$260.00} per month ) sometimes more. There was a miscommunication with Credit acceptance. If I have known that they would charged me all this amount I would have never gotten the car.I think they used the fact that XXXX is not my native language. Please help.

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 2024-07-02 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I received a copy of my credit report and found the following inquires to be in error : ( XXXX  XXXX XXXX XXXX & XX/XX/XXXX ), and ( XXXX XXXX XXXX  XXXX XXXX- XX/XX/XXXX ) By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

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 2024-07-02 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:
To Whom It May Concern, I received a copy of my credit report and found the following inquires to be in error : ( XXXX  XXXX XXXX XXXX & XX/XX/XXXX ), and ( XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ) By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
I am filing this complaint due to XXXX, XXXX and Transunion 's failure to honor my credit report update request, despite my numerous attempts to rectify incorrect information on my credit report. 

On XX/XX/XXXX, at XXXX XXXX  XXXX, XXXX received my certified mail in XXXX, TX, XXXX, containing my dispute request. Despite this, XXXX has not made any changes or adjustments to my credit report. I have sent multiple follow-up mail attempts, but they have continuously failed to respond appropriately. 

On XX/XX/XXXX, I submitted a dispute to challenge the accuracy of specific information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681i ( a ) ( 6 ) & 15 U.S. Code 1681i ( a ) ( 7 ), Experian is required to investigate and respond promptly. Instead, I received a generic stall letter, which did not address my concerns or show any real progress in investigating the disputed items. 

I have conducted research and discovered a CFPB report indicating that XXXX uses automated methods to send stall letters, likely in an attempt to push consumers towards using their online dispute systems. However, there is no law prohibiting me from utilizing today 's technology to analyze, create, and send disputes via mail. 

Despite my numerous attempts and the clear evidence provided, XXXX has not updated my credit report or addressed the specific disputes I raised. The inquiries I requested to be removed from my credit report include : XXXX XXXX - XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 's refusal to address my dispute and their continued use of stall tactics are unacceptable. I demand that XXXX immediately removes the aforementioned inquiries from my credit report and provides a detailed explanation for their failure to comply with the FCRA requirements. 

I have submitted my letters and stall letters sent with dates received. I am not getting any support from the credit agencies.

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