vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Our renter " XXXX XXXX  '' had given a 10 day eviction notice on XXXX XXXX, XXXX  stating that we needed to pay a {$300.00} pet fee for having our dog. I had paid that fee when we initially moved in on XXXX XXXX, XXXX. I handed the manager a {$200.00} move-in pet fee at that time. The apartment complex stated they had no proof of this payment. I brought in the check that was written to them as proof and they still claimed they had no records so they would be evicting us within 10 days for " breaking the lease agreement. '' I stated to them that our " lease agreement '' had been broken when they didn't replace our AC unit in XXXX degree weather for over a month while I had a XXXX old, XXXX old, and XXXX old at home and that I would take them to court as that is highly illegal. They ceased and agreed to break our lease on XXXX XXXX, XXXX with a XXXX balance. I always paid my rent on time. Never late. Never had to pay any fees. I was a beyond great tenant. My reviews are on XXXX for XXXX XXXX  at XXXX XXXX if you would like to see how I was treated as a tenant. After a week, they hit my credit with a collection. I disputed this collection on my report immediately and my husband disputed it on his report as well. XXXX, XXXX, and XXXX had deleted and removed the collections due to me having proof of this transaction with XXXX. Now as of XXXX XXXX, XXXX, a new collection hit my and my husband 's report from a collection agency. Credit Genesis Collections is trying to now collect for this same debt. I have disputed this collection as well and I have had it removed multiple times over the entire year of XXXX. There has been different account numbers, multiple accounts, different dates, and this collection continues to come back over and over even though I have proof that it has been deleted on multiple occasions. My husband also would have not been able to join XXXX XXXX military with a collection like this on his credit report. He had no collection when they gave him a background check in XXXX of XXXX when he joined. I have no other way of correcting or fixing this. We don't owe anything to XXXX the original debt collector or the collecting agency trying to collect on this debt.

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: MN

Complaint narrative:
The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate 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 2024-01-24 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 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 information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have been a client of American Express For About A Year With Good Payment History. However After Reviewing My Credit Report I Have Noticed Late Payments On My Report. American Expressed Switched My Account To Another Department Without My Knowledge, resulting in several late payments as I was completely unaware of the switch, unaware of the department along with the contact information of department. After several attempts of contacting American Express to pay on time, I was consistently given the wrong information which resulted in these late payments. I tried to resolve this issue with company, but they refuse to help although as a consumer I feel my rights were violated 15 U.S. Code 1666b - Timing of payments ( 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. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in XXXX business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.

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 information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am trying to buy a house, so I pulled my credit report and noticed that I have a late payment reported by Comenity Bank/Victoria XX/XX/2024. I was really having some personal issues as I am a victim of XXXX XXXX. I reached out to the company, and they were unable to help me with this matter. 

15 U.S. Code 1666b - Timing of payments ( 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. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 

I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OUT TECH, INC.
State: PA

Complaint narrative:
An ex friends mother XXXX XXXX XXXX who works for this company got my number from her daughter who received it from a family member of mine that she is cheating on her boyfriend with and gave it to XXXX to call and harass me. It happened about a month ago also calling me back to back until I pick up. I told whoever it was when I called back to stop calling and now again today 3 times in a row until I answered she kept calling. She is doing this bc of her daughter XXXX XXXX that has done nothing but cause problems in my life with her lies and XXXX ways. Everytime I get a new number XXXX gets it from my brother and gives it to XXXX.

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: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I had a loan with XXXX ( Mr. Cooper ) many many years ago and the mortgage was paid off many years ago. I had asked that they remove my information from their systems. Yet through negligence on the part of the company they have allowed my information including social security number to be illegally accessed. They have sent me a letter stating that they allowed intruders into their system and they have offered short-term credit reporting coverage. This is outrageous that they keep customer information on systems that the outside bad actors can get to even though it is well over 4 years since the mortgage was paid off and they were specifically requested to remove my information from their system and I never directly provided them any of my information. They bought my information from another company I had done business with.

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: NJ

Complaint narrative:
I have an account on my credit profile that isn't mine. Also unauthorized inquiries

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to officially contest a series of errors, discrepancies, and unfamiliar accounts that have emerged on my credit report. After a thorough examination of the information provided by your agency, Please see attached letters for the inaccuracies.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to officially contest a series of errors, discrepancies, and unfamiliar accounts that have emerged on my credit report. After a thorough examination of the information provided by your agency, Please see attached letters for the inaccuracies.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am looking at file number from Transunion XXXX XX/XX/XXXX # XXXX Placed in collections XX/XX/XXXX balance showing XXXX shows the account date updated, payment received. What is the date of last activity? What is the address on this account. Can I have a copy of the electronic signature, can the ssn be verified on this credit card account, can the dL or proof of Id that was used to authorize this account be given. 

File number from transunion XXXX issued XX/XX/XXXX This account shows that is was placed in collections and a payment was received. It also shows that the date placed in collections was XX/XX/XXXX. 
Transunion reported this was removed. 

File number XXXX this shows this was verified. I am requesting that Transunion pay close attention to their agency having a data breech. This account does not belong to me. The address assocated with this account was never my address. I am requesting this agency shows you company more than credit card bills at a wrong address. This does not prove this is my account. 

The collection agency must show a vaild DL, Vaild SSN, which should match my address. The should show a contract which was signed online with an electronic signature. As well as show they have the actual authority to collect on this account by XXXX XXXX XXXX  XXXX. 

I have a current and XXXX XXXX XXXX XXXX XXXX  which should be reporting from XXXX XXXXXXXX XXXX XXXX. at no time would a business reissue a credit card to someone they charged off the debt.

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 — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, After consolidating my XXXX loans with XXXX, my credit report shows double the XXXX loans that I should have. We are in the process of purchasing a home which means this has hurt our debt to income ratio with our mortgage loan processor. We need these loans removed as soon as possible. 

I have contacted representatives at XXXX, XXXX, and Nelnet. 
Nelnet explained that they sent the appropriate documents to XXXX showing my loans were paid in full. This would mean I should only show XXXX loan balances with XXXX. 

After contacting XXXX multiple times, they said they had not received any paperwork from XXXX and have opened up multiple disputes on my behalf. 

I do not understand where the bottleneck is coming from, but one of these companies is not processing my updated XXXX loan information. I need assistance in figuring out which company it is in order to correct my credit reporting with XXXX and all credit reporting agencies and improve my debt to income ratio. Is this something your office can assist with?

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: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
My husband passed away on.. 

On XX/XX/23 I went into XXXX XXXX XXXX XXXX XXXX and got pre approved on a mortgage Loan. When the loan officer printed my report- XXXX XXXX Revolving card showed up on the derogatory report. Balance is XXXX, & paid off XX/XX/23. When I asked the bank to remove incorrect report, I got passed around to many different numbers and people with no help. I went into the bank and spoke with Bank Manager in XXXX- she filed a report for a supervisor to call me. I was told the card was not on my name -the bank has copies of death certificate and everything was dealt with. If my name is not on the account- why is it on my report? Why is it on ANY report of its paid off and not delinquent? 

I called the number on the back of the card. Its not the right number. I called the number on the back of credit report for XXXX XXXX Dispute Center. That number is incorrect. I got put on hold on all instances and probably over an hour on the phone. 

Please see attached

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 card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a credit card through synchrony and LensCrafters about two years ago. Planned to use the card annually for my prescription eyewear. I used the card in XX/XX/XXXX and XX/XX/XXXX and paid both balances off, never missed a payment and paid more than the minimum due each month. I went to check my account yesterday and saw it was closed. They never even informed me of the closures. Contacted synchrony today and they told me they emailed me back in XXXX, I have many emails from synchrony but nothing stating my account was closed. They did not give me a good reason and the first person I chatted with tried to tell Me it was them decision of the credit bureaus to close my account and if I wanted to find out why I should call them. This is horrible tactics and upon researching they do this all the time to consumers. XXXX alone is full of complaints as is social media sites. This company should be barred from being able to be a creditor.

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: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy.

Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so.

Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no.

Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law.

There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules.

One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore.

Thank you for understanding. 
Sincerely, 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 2024-01-25 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX  : I have no knowledge of this account. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX : I have no knowledge of this account. This account does not belong to 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received.

Company response to consumer: Closed with explanation