vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
I lack any information about this issue, and the company proceeded without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX XXXX TRANSUNION 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 2024-03-11 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: TX

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX EQUIFAX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I am requesting a monthly breakdown of all charges and fees. 



GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: OR

Complaint narrative:
I have already sent this company a dispute letter and requested the proof of the inaccurate fraudulent late payment they are reporting on my consumer report. I have never been late on this account. Recently I observed a late payment on my consumer report from XXXX of XXXX. My account has been closed with this company since XXXX of XXXX. As federal law states in 15 USC 1681A 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 de- signed 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. If you can not supply proof of this federally regulated act I demand you remove this late payment and or the entire account off my consumer report. It shows in XXXX. If immediate action is not taken I will pursue legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have this fraudulent account reporting on EXPERIAN CONSUMER 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 2024-03-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account 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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2024, I was charged two fees on my business checking account ending in XXXX. The fees were labeled " service charges- prior period '' - one was {$53.00} another was {$48.00}. I emailed my bank 6 times XXXX and each time he deflected and never addressed my simple question- why was I charged the fees and how can I stop them in the future. XXXX has said things like " my bank manager is looking into it '' and he has addressed other issues, and once said I should refer to the handout I got when I opened my account ( more than 15 years ago ). Finally XXXX said his manager would refund one of the fees, but they have not done that and they should refund both. I called the bank 3 times XXXX, never got through and never got a call back. I visited the bank and a teller took 10 minutes and said he couldn't figure out why I was charged and asked me to wait for XXXX. I waited and he stayed with other customers until I had to leave. I asked by email to elevate this to a manager. I have been communicating since XX/XX/2024, and feel ignored, I have asked to speak to a manager but have never. This is not the first time that my bank behavior has not changed but I've got sudden fees from Truist that Truist can not explain - its seems clearly predatory.

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 2024-03-11 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: TX

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my EXPERIAN 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 2024-03-11 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: DE

Complaint narrative:
please see attached file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This company repossessed my car XXXX of XXXX, and again I never received any correspondence about the repossession or sale of the vehicle, further I had this vehicle since XXXX of XXXXan they replied it XXXX of XXXX it was a XXXX loan an I had it for 55 months but the balance iI owed at the beginning of the loan was the same at the end of the loan, they say they sold it for XXXX with left me with a deficiency of XXXX dollars which can not be correct after all that time and also even though they repossessed my vehicle in XXXXthey continued to report it on my credit report until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
i have been paying on this ( Loan me ) loan for the last 5 years and I've requested to have my rate lowered as I've never been late.. They are refusing!! and this is not the 1st time I've requested them to lower my rate.. I called XXXX times last week and no one returns my calls. 

The rate of interest is currently at XXXX % which is way too high being that I always pay my min payment due. There no way to get this paid off with the interest rate so high... 

Now XXXX XXXX, stated in the State of the XXXX, he'd be pushing forward to lower interest rates on these types of loans A.S.A.P. 

Please help me get this rate dropped so I can pay it off sooner... Please contact me about this matter. 

Thank you XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my extreme disappointment in the lack of resolution regarding the negative items still being reported on my credit file. Despite my previous complaints and assertions that these accounts are unverified and inaccurate, your department has failed to take urgent action to rectify 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, last Thursday left me the following voicemail message, '' And in accordance with federal law we are required to notify you at least 72 hours prior to petitioning for an injunction you or your attorney and have a very brief window to address this matter with our office is directly to provide a final statement for the record and your defense simply hit redial to be connected directly to our offices it would serve your best interest to contact our offices before close of business today or immediately upon receipt of this message please act accordingly ... '' This organization is trying to collect from a checking account that was closed during XXXX, or approximately. The statute of limitations has long passed to be able to collect for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2024 my Capital One credit card was charged {$1100.00} fraudulently while I was abroad in XXXX. I do not know who made this charge since I had been using my card for all purchases throughout the day and did not get any kind of verification of purchase to my phone. 

When I checked my credit card balance a week later I saw the charge and immediately reported it. Capital One opened and closed my investigation in a matter of minutes and concluded, " we found insufficient evidence of fraud. '' I called and asked how they could close an investigation so quickly and do nothing. They said it was my responsibility and not their to provide the evidence since my chip was used to make the purchase. I decided to file a police report but had no information other than " I was robbed and here is the basic vendor description from my CC statement. '' I asked if they could give me any information that I could use to contact this person/business. At first they said they did not have this information, but after pushing for a long time, they gave me a phone number with an incorrect number of digits. I tried every permutation of that phone number to no avail. It was very clear that they believed that I was lying and refused to help me any further. 

I am now working with police to help me develop a report but since the problem is international, it is slow going and difficult with the language barrier. 

The reason I use Capital One is because they advertise this card as being made for travel. However, the only time I have ever needed this kind of travel security, Capital One refused to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Account : XXXX Account number : XXXX Alleged amount owed : {$190.00} I requested verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. I did not receive anything back from the above mentioned company. 

I have attached the letter that I sent. 

Please remove and block this account from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
Sent them a debt validation to them back in XXXX. Never received a response to validate the debt. Still have not received any proof or validation that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Account : XXXX Account number : XXXX Alleged amount owed : {$190.00} I requested verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. I did not receive anything back from the above mentioned company. 

I have attached the letter that I sent. 

Please remove and block this account from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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:
I am writing to express my extreme disappointment in the lack of resolution regarding the negative items still being reported on my credit file. Despite my previous complaints and assertions that these accounts are unverified and inaccurate, your department has failed to take urgent action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
I am writing to express my extreme disappointment in the lack of resolution regarding the negative items still being reported on my credit file. Despite my previous complaints and assertions that these accounts are unverified and inaccurate, your department has failed to take urgent action to rectify 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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was solicited for new credit card from Discover with an attractive balance transfer. I had an installment loan used for a medical procedure that was about to jump from 0 % to 29 %. I called the installment loan company and asked for a 10-day payoff amount. I provided the demand letter and payoff amount, along with my account information, to Discover in XXXX. The account was auto drafted from my checking account when I set it up in XX/XX/2023. 
Discover does not provide access to the Balance Transfer department, but close to 5 weeks passed from the date of the request until I got an update. The update I was provided was that the account was closed and paid in full.

Discover reported to the credit bureaus the day after the request that I had a balance of the amount I requested, resulting in it looking like I had a new {$5600.00} account when I did not. That balance was shown as a duplication for so long that my XXXX credit score went from XXXX to XXXX. Meanwhile, the installment loan finance company maintains that I did NOT close the account and is now reporting it as delinquent for {$4.00}. I have attempted to follow up with Discover more than 10 times with no resolution.

Discover mishandled the balance transfer by NOT completing the transfer properly as they reported the account closed.

Discover reported the new balance 5-6 weeks BEFORE I actually " used '' the funds to transfer the balance, resulting in my unpaid debt to be reported as {$1100.00} when I actually owed {$5500.00} resulting in a XXXX point decrease to my XXXX score ( XXXX to XXXX ) Discover reported to me and the credit bureaus that the account was closed, but XXXX states that there is a {$4.00} unpaid balance, which is now {$120.00}, and reported DELINQUENT on one of the bueraus ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: GA

Complaint narrative:
This is not my account. It is the credit bureaus responsibility to make sure theyre reporting accurate information and going through the proper protocols before putting information on my credit report. The information does not match up to the other bureaus and according to the FCRA, you must make sure everything youre reporting is accurate. Im entitled to an accurate report please remove the fraudulent account immediately. Im attaching my FTC report as well. As you can see from the attached 3 bureau credit files. All accounts are reporting different dates opened. This shows that the proper protocol was not followed because the bureaus are reporting different information. This is a violation of my consumer rights and you are violating consumer law. Legal counsel will be sought if the information doesn't get removed immediately.

Company response to consumer: Closed with explanation