vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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:
i contact my creditor and informed them that I was looking to purchase a home and came to an agreement that they would update my account as charge-off they in turned sent me documentation stating the agreement to change account to Charged -off. I submitted documents to all XXXX Agency. 
XXXX, XXXX and Experian. 

XXXX - Updated documents with no problem XXXX and Experian still refuse to update information. 
this is harming my changes of owning a home.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2024 I had placed a call to Capital One regarding my Capital One XXXX XXXX  XXXX because my account was severely past due I had spoken with a representative about bringing my account current he asked would i like to make a payment over the phone I politely declined and stated that I would make a payment through the Capital One XXXX XXXX  on XX/XX/2024 i submitted the payment on the stated date I then check the Capital One XXXX XXXX to see if the payment cleared and if there was any available credit I was met with a message that the account was restricted and there was no available credit while speaking to the agent he assured me that upon making said payment that it would bring the account current and said nothing about losing my charging privileges or that the account would go into restricted status upon making said payment Upon seeing this message I placed a call to Capital One and was transferred to an unknown department where I was told that the account is in restricted status and that even if all payments are made the card would not be able to be used essentially forced closure by the issuer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: MD

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX regarding issues related to the reporting of my information to credit bureaus, specifically XXXX and Equifax. 

I am an account holder with XXXX XXXX XXXX. I have encountered significant problems resulting from what I believe to be inaccurate reporting, particularly in relation to a 1099-C charge. This situation has caused considerable distress as it is hindering my ability to apply for credit. For example, when attempting to secure a vehicle loan, I was informed that I needed an excessive {$12000.00} down payment. 

Despite my efforts to seek clarification and resolution through communication, specifically via an email sent on XX/XX/XXXX, and XX/XX/XXXX I have not received any response from XXXX XXXX XXXX. The lack of communication has exacerbated my emotional distress and financial difficulties. 

I am bringing this matter to the attention of the Consumer Financial Protection Bureau, as I believe XXXX XXXX XXXX 's actions may be in violation of consumer protection regulations, including those outlined in the XXXX974 Privacy Act. I request the Bureau 's intervention in investigating and rectifying the inaccuracies impacting my credit report.

I appreciate your prompt attention to this matter and request that the Consumer Financial Protection Bureau investigates this complaint thoroughly. I am hopeful for a resolution that ensures the accurate reporting of my credit information and the restoration of my financial standing also Equifax said XXXX are the the only one that keep reporting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: TX

Complaint narrative:
I got a email from this collection company. Says I owe some money, I had a lease with apartment for XXXX months back in 2021, I still have lease and welcome emails, explains XXXX  months lease, I successfully completed the lease, since the previous apartment is sold to new company and the new management saying I owed the early termination fees, and they sent to collections, they keep sending emails and charging interest, Im not sure what to do now,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This is my second complaint I am filing about Nelnet, my student loan servicer, which has still not approved my SAVE application. 
-Applied for save application on XX/XX/XXXX. 
Received no information about the status of my application for over a month. 
-Reached out to the company via email on XX/XX/XXXX. 
No response. 
- saw on XXXX in late XXXX that some people in a similar predicament had uploaded their tax return info which moved their application process along, so I did the same. 
-Sat on the phone for XXXX hours waiting to speak to someone on XX/XX/XXXX. I was told I needed to make a one time payment in order for my application to go through. I had already made a {$100.00} payment on XX/XX/XXXX so I was told by the agent on the phone that I was all set and had done everything necessary and I just need to wait. 
-On XX/XX/XXXX I received an email that my application was received. 
-On XX/XX/XXXX I received an email that my application was in processing queue. 
My application remained in the queue to be processed throughout XXXX. I called Nelnet ( waiting hours to speak to someone ) and asked for an update and was told I need to wait to get an email or letter telling me to make a one time payment to exit my IBR plan. So what the previous agent had told me was incorrect. 
-I finally got a message that I needed to make my one time payment and I sent my payment in on XX/XX/XXXX. 
-Application status changed to In Process on XX/XX/XXXX. 
- Account placed in administrative forbearance on XX/XX/XXXX. 

All the while I am accruing interest for 4+ months. I am now on the phone yet again waiting to speak to someone. The people I speak to on the phone do not all give out the same info. And they often have no real answers except to just wait it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
On XX/XX/XXXX I was notified by Kohls of uncharacteristic charges on my account on XX/XX/XXXX and my account was frozen. After reviewing my statement there were two charges for XXXX and XXXX and Kohls was turning it over to their fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: WI

Complaint narrative:
Filed a complaint with CFPB in XXXX XXXX  regarding a debt for XXXX. They were unable to locate any information in their system. I called to confirm the company and was again told theres no record of this debt in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: WI

Complaint narrative:
Filed a complaint with CFPB in XX/XX/2023 regarding a debt for XXXX. They were unable to locate any information in their system. I called to confirm the company and was again told theres no record of this debt in their system.

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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check into my checking account back in XXXX of 2023. I made a few withdrawals because I was purchasing a car. I woke up one morning my account was locked. I called customer service they stated that my account was flagged for fraud. I asked them to explain how they stated that the check was flagged for fraud. I called and spoke with the parties involved they assured me that their bank never issued any fraud alerts and it was coming from my bank. I then called back the bank and they gave me the run-around they said it was under investigation and they have no updates. I have called a spoken with several representatives and I have been transferred to the fraud department several times. I was told the process can take up to 90 days and I waited patiently. I have made several attempts to call and was told they can hold the funds as long as they like. I just need help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-01-10 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:
I am writing to inform you of the inaccurate information that Experian has been reporting on my credit report Upon reviewing my credit report, I discovered that Experian is reporting erroneous information that has severely damaged my credibility and caused significant financial and emotional distress. This inaccurate reporting is in direct violation of the regulations set forth in the 15 U.S. Code 1681s2, which prohibits the furnishing of inaccurate information to consumer reporting agencies. 

Specifically, Experian has reported a debt as part of my credit history, which is entirely inaccurate. According to the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns, not as debts on consumer reports. Thus, the reporting of this account as a debt is not only incorrect but also contradicts the established regulations. 

The IRS clearly defines a charge off as gross or ordinary income, which should not be reported on the consumer report. Therefore, the reporting of this account as a debt is unequivocally inaccurate. 

Furthermore, I have not received a Form 1099-C from any data furnisher, despite the fact that it is required if the canceled debt exceeds {$600.00}, as stated in the IRS guidelines XXXX This form is crucial for accurately reporting taxable income, and its absence further corroborates the inaccuracies present in Experian 's reporting. 

This incident has deeply disturbed me, as it has had a profound impact on my financial well-being. I am taking proactive steps to rectify this situation and ensure that my credit report reflects accurate information.

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 2024-01-10 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:
I am writing to inform you of the inaccurate information that Equifax has been reporting on my credit report Upon reviewing my credit report, I discovered that Equifax Is reporting erroneous information that has severely damaged my credibility and caused significant financial and emotional distress. This inaccurate reporting is in direct violation of the regulations set forth in the 15 U.S. Code 1681s2, which prohibits the furnishing of inaccurate information to consumer reporting agencies. 

Specifically, Equifax has reported a debt as part of my credit history, which is entirely inaccurate. According to the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns, not as debts on consumer reports. Thus, the reporting of this account as a debt is not only incorrect but also contradicts the established regulations. 

The IRS clearly defines a charge off as gross or ordinary income, which should not be reported on the consumer report. Therefore, the reporting of this account as a debt is unequivocally inaccurate. 

Furthermore, I have not received a Form 1099-C from any data furnisher, despite the fact that it is required if the canceled debt exceeds {$600.00}, as stated in the IRS guidelines . This form is crucial for accurately reporting taxable income, and its absence further corroborates the inaccuracies present in Equifax 's reporting. 

This incident has deeply disturbed me, as it has had a profound impact on my financial well-being. I am taking proactive steps to rectify this situation and ensure that my credit report reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
There was an account created for my old phone number and social security number but the wrong email address. When I try to update the phone number it sends a verification code to an email address that is incorrect. I cant update any information or log in to my account. It will not allow me to update my email address either. The last point of contact was in XXXX of 2023 promising that I would be able to update it. I still CAN NOT update any account information due to the phone number and email address being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Please note that a mere summary of the account or a statement indicating that the debt is valid without supporting documentation is not considered sufficient validation. 
On XX/XX/2023 I specifically and precisely requested the following documents. 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt. I received a response from a totally different company called Resurgent Capital Services whom I also have no affiliation with. On XX/XX/2023 Resurgent Capital Services uploaded 94 pages of documents and not one page of these documents bares my signature as requested nor my photo id which I also requested. I also requested the purchase agreement from the company reporting to my credit report. I have It is obvious that this account that is being reported by Lvnv funding is being reported inaccurately. 
I dispute the validity of this debt and, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide me with the necessary documentation to validate, not merely verify, the legitimacy of this debt. 

I understand that the difference between validation and verification is significant in ensuring the accuracy of the information being collected. Verification merely confirms the existence of a debt without providing sufficient evidence of its authenticity. On the other hand, validation requires the presentation of detailed information that confirms the debt is accurate and legitimately owed by me. Being that the company reporting which in this case LVNV funding as well as Resurgent Capital Services are not able to provide me with the requested documents then these items are to be removed immediately and permanently. 

Please note that a mere summary of the account or a statement indicating that the debt is valid without supporting documentation is not considered sufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the 3rd complaint I have filed with the Consumer Financial Protection Bureau. Its been nearly 30 days since I have access to my credit report due to Trans Union blocking access. I was under the impression that the CFPB was suppose to make the Bureaus accountable not to let them be lawless. I have a right to access my credit report anytime I desire. I have not been able to have this right with Trans Union. If I can not get any help from the CFPB I will obtain a lawyer and bring a class action lawsuit against Trans Union. This is my final appeal to the CFPB for assistance.

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 2024-01-10 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief