vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had on late payments on an account that I for sure paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/2023 and XX/XX/2023. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 2024-05-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Subject : Formal Dispute of Alleged Fake Rental Debt Account Dear Sir/Madam, I am writing to formally dispute the alleged debt referenced above, which is being pursued by Columbia Debt Recovery . I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter under the guidelines of the Fair Debt Collection Practices Act ( FDCPA ). 

I want to emphatically state that I have never resided at nor applied to the location associated with this alleged debt. Therefore, the debt in question is entirely fabricated and without merit. Despite my repeated attempts to resolve this issue directly with Columbia Debt Recovery, they continue to pursue collection activities based on false claims. 

I request that the Consumer Financial Protection Bureau intervene in this matter and require Columbia Debt Recovery to provide the following documentation to verify the validity of this alleged debt : Any and all records purportedly linking me to the rental property or application associated with this debt. 
Documentation proving that I applied for or resided at the aforementioned location, including any signed contracts or lease agreements. 
Proof of any communication between myself and Columbia Debt Recovery regarding this debt. 
Any other evidence supporting the legitimacy of this debt. 
Given the fraudulent nature of this claim and the ongoing harassment by Columbia Debt Recovery, I urgently seek your assistance in resolving this matter. I request that all collection activities cease immediately, and any negative remarks made on my credit report related to this false debt be retracted promptly. 

I appreciate your attention to this urgent matter and trust that the Consumer Financial Protection Bureau will take appropriate action to protect consumers from unjust debt collection practices. 

Thank you for your prompt assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My credit score has steadily dropped for no reason of my doing. Experian has exposed my personal information to thieves, criminals and hackers, Ive had my credit information used for fraudulent purposes, and no penalty was levied. They are still entrusted with my personal data. To thank me for being vigilant, my credit score declines even though every action I take involving my credit is legal and is my own personal information. Experian is dropping my credit score because I am disputing information I think is not accurate. My score hasnt changed in 6 months. After this complaint itll probably drop again.

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 2024-05-01 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I am 100 percent sure I paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed after reviewing my profile there were some inquiries that are not mine.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I for sure without question paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year>. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I for sure without question paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year>. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had on late payments on an account that I for sure paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/2023 and XX/XX/2023. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had on late payments on an account that I for sure paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/2023 and XX/XX/2023. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I have filed multiple complaints about them reversing payments and allocating them at later dates. THAT IS FRAUD AND UNFAIR AND DECEPTIVE! No one has followed up to actually deal with it. They call and say they will look into it. They never do, it's been months and I complained to with no response. I have lost loans, I own a business that has had to spend work hours trying to resolve this ( to include paying my assistant for HOURS AND HOURS to follow up when they lie ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: PA

Complaint narrative:
I am and identify theft victim. I have sent multiple dispute letters as well as ftc reports and police reports to all three credit reporting agencies as well as the furthers of the accounts in question with no results. The accounts still remain on my credit report impacting not on my score but my life as a whole. I have sent letters on XX/XX/2024, XX/XX/2024, XXXX all with no explanation of how it was investigated. I requested all fraudulent information be blocked from my report but it still remains after every attempt to dispute it from my report. I have no received any information supporting the claims that I owe this debt as well as verifying the accounts in question. Please assist me in connecting the necessary companies to have this information blocked and removed from my report Assp.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This is to PUT IT ON RECORD that I ACCEPT NAVY FEDERAL CREDIT UNIONS offer. Please pay out all my interest aka credits to me on this account. 
Pursuant 39 USC 3001 ( d ) ( A ) under NON-MAILABLE MATTERS. 

A ) the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. 


Account number ending in XXXX Also please reframe from treating my open ended credit plan as late and charging LATE PAYMENT FEES TO MY ACCOUNT. Return all my tender XXXX XXXX Illegally Solicited through the mails and through threatening phone calls. As well as removing all deficiencies from my credit report via late payments and utilization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I for sure without question paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year>. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
account XXXX on XX/XX/2023 there was a charge to my account for XXXX. I did the charge at the restaurant. the restaurant offered me a full refund on the charge the next day because our entire party was extremely XXXX  and XXXX XXXX. 
I even submitted a note to the capital one from the manager or employee. 
apparently months later after capital one investigated the claim the manager/employee did not work their anymore. 

after speaking with capital one they did not investigate the complaint property and refuse to. 
they said they investigated the complaint and the restaurant said they had authorization to charge the card. Yes of course they did because we used the card - THE RESTAURANT PROMISED A REFUND- I never said the initial charge was not valid - capital one for several times I put a dispute in investigated the claim the wrong way I have been a customer for 15 years and I refuse to bank with them again until this is fixed and I get the worst treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
After about 6 plus hours on the phone with my homeowner 's insurance company, XXXX, we realized that Caliber Home Loans ( my previous servicer who sold the loan to another company in XX/XX/2023 ) never paid my homeowner 's insurance for XXXX XXXX. I had changed policies from an HO policy to a DP policy for this new renewal. They paid the amount of {$10000.00} to XXXX in XX/XX/2023 and put it to apply to the old HO policy. They also paid the next day the difference owed for the DP policy, which was {$640.00} to the DP policy ; so they obviously got the bill for the new policy and the changes. 
I received a refund from XXXX for the XXXX for the HO policy and called and was told the mortgage company needed to pay that amount to the proper policy, the DP one. I called Caliber and got the information of where to send the check, how to get it applied to escrow properly, and told them they need to pay XXXX properly. I sent the check with the memo clearly stating " Apply to Escrow '' and my account number, as I was directed on the phone by Caliber. 
Turns out that this was never done. They applied it to principle, which I did not know. XXXX never got paid. Now they ( Caliber ) sold the note, the new lender can't do anything. XXXX applied this year 's escrow to last year 's insurance amount due, and I still owe for this year over {$10000.00}. I can not afford this and want Caliber to pay the amount that should have went to escrow and pay XXXX properly. I can not pay double insurance and will lose my home if my escrow goes up almost {$1000.00} more next year, as it went up approximately {$1500.00} this year as it stands. Caliber needs to fix their error. 
I can not call them, as since they sold the note, their automated system will not allow me to speak to someone no matter what I do. I reported them to the XXXX about this but they didn't respond. I NEED THIS TAKEN CARE OF ASAP AS I AM PAST DUE OVER A MONTH ON MY INSURANCE DUE TO THEIR ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I contacted the collection agency after discovering a debt collection on my credit report. The collection was related to an XXXX XXXX XXXX XXXX account. I have never had an account with XXXX XXXX XXXX XXXX. I asked what address was associated with the account and it was an address that my daughter had previously lived at XXXX XXXX. My daughter and her roommates indicated that the account was paid on a regular monthly basis while they lived at the apartment. The account was in the name of one of my daughter 's roommates, so I am confused how the account would be associated with me if there is any dispute with the company.

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 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt collection letters were recieved at previous address when I was living at new address. Once I became aware of the letters, I sent debt validation letters to Portfolio Recovery Assocaites attempting to verify the debt requiring 1. Verification of the amount owed, including a comprehensive breakdown of the principal balance, interest, fees, and any other charges applied to the account. 

2. Copies of any agreements or contracts signed by me, which establish my liability for the debt in question. 

3. Proof of your authorization to collect this debt, including documents demonstrating that Portfolio Recovery Associates , LLC has the legal right to pursue collection activities in the state of Florida. 

4. Verification that the statute of limitations on this debt has not expired. In Florida, the statute of limitations for most types of debts is five years. Therefore, please provide documentation indicating that the alleged debt is still within the legal timeframe for collection. 

5. Information about the original creditor, including their contact information and the nature of the original debt. 

These letters were sent on XX/XX/year> and no response was provided and have yet to rerspond or provide the required information as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: FL

Complaint narrative:
before yesterday I noticed my wise account was deactivated while I just made a transaction and when I go back to my account again wise says my account is deactivated so I don't see why this is done and then it tells me but what should I do in a call I can do so when I make the call everything they ask me in the call I sent them and this morning wise told me they have not decided to open my account since I had XXXX $ on it, so I want to know why they closed it because I didn't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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