vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: PA

Complaint narrative:
For days now, I have been trying to access my credit report online to review and dispute incorrect information. Sometimes, my name and password would work. I would get so far as to hit the button for filing a dispute and it gives this error message with a number to call. 

" We're unable to complete your request online. 
Please try your request by phone or mail. 

What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or dispute by mail. '' I have called with no answer, just endless hold times. I have tried their chat feature with the same results. No response. I have tried log in help. I have tried to resign up only to be told I already have an account that I CAN'T ACCESS! 
My credit scores with XXXX and XXXX are over XXXX. They were easily accessed online, and disputes were entered. TransUnion has me at XXXX. I was told by a bank that there is a charge off on Transunion and that is why I was rejected. I want online access to my account so I can clean up the errors.

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 2024-08-29 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-29 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, that I believe have occurred regarding my credit information.

1.Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. I have reason to believe that my personal information has been mishandled or improperly disclosed by the entities listed below. This breach of privacy appears to be in violation of this provision.

2.Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the following entities have reported information about my accounts without obtaining the necessary written authorization from me, thereby violating this provision of the FCRA : XXXX XXXX XXXX Account Number : XXXX Impact XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I am deeply concerned about these potential violations and their impact on my financial standing and reputation. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. I look forward to a prompt resolution. Should you require any additional information or clarification, please feel free to contact me using the information provided above. 

Sincerely, 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 2024-08-29 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: GA

Complaint narrative:
I am filing a complaint against my former apartment complex due to numerous issues that have caused significant distress and financial harm. From the beginning, the apartment management exhibited poor communication, often not being in the office or taking calls. 
My primary complaint is a {$1700.00} cleaning fee charged after I moved out, which is more than my monthly rent. This fee includes charges for damages that were noted in my initial maintenance request form upon moving in, such as water intrusion, which were the buildings responsibility. 
Throughout my tenancy, I faced several issues, including : Unauthorized Lock Changes : The management changed my front door locks while I was at work without prior notice, claiming it was for inspections. This caused inconvenience as I had authorized someone to access my apartment, and they were unable to do so. Despite claiming they called me, I had no missed calls. They refused to provide a key to my authorized person, forcing me to leave work multiple times due to their in-person policy. 
Lost Rent Check : The management required rent payments by check, which they subsequently lost. They attempted to charge me again, stating I needed to provide a receipt. I provided the receipt, and they eventually found the lost check after searching their office. 
Early Move-Out Request Ignored : I requested to move out early due to these ongoing issues and spoke with the regional property XXXX, who initially agreed but then became unresponsive. I was forced to stay for the remainder of the lease, anticipating further issues. 
After moving out, I received the unjustified {$1700.00} cleaning fee. The new XXXX stated he could not assist as he was not present during my tenancy, and the regional property XXXX directed him to handle it, which he could not. 
These charges are illegitimate and have negatively impacted my credit, preventing me from obtaining anything in my name. I seek assistance in resolving this matter and removing these unjust charges from my record.I moved out XX/XX/year>. I requested to move out maybe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I lost my phone and debit card was stolen, I called Chase to make a claim and have been mislead on several different fronts. I was first told the fraudulent activity happened in my area, which I was not understanding and that language made me very uncomfortable. The area in which someones used my card was not in question nor, questioned. The fact was and remained someone stole my card and used it. Second, the came back and said I never claimed my card to be stolen which os flatly a lie. I cancelled my card, reset my settings online, locked my card and got a new card. Why would someone say I never said my card was stolen if they know I cancelled my card for that reason? Lastly, they told me the merchants said the transactions was valid. I never said to anyone that these purchases were not made. I told them they were made in a fraudulent manner. The bank has told me XXXX or XXXX different things at this point. How would the merchant know who is me or not me to verify that a purchase made was me. The bank could not answer that. 
They have told me XXXX different things. Someone stole my card then used it and the bank is making me liable?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2024-08-29 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: CO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
I contact ECSI on XX/XX/XXXX to pay off my XXXX XXXX XXXX loan. The representative was extremely rude to me and hung up in my face when I was asking her what other information she needed from me, after she took my payment details. She also did not provide me with any sort of email confirmation, which I requested. I heard noise in her background and now I am assuming she may have leaked my checking account and routing number to whoever was listening in her background.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 explanation
Consumer complaint received 2024-08-29 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/year> ( today ) I chatted with a rep to see why my payment had not been reflected and it had been 6 days since the payment was made and debited out of my account. In that time I looked over my statement, my balance due amount was {$1700.00}, I made a payment of {$1100.00}. I than notice that my statement end date according to my statement online under more information stated it was XX/XX/year>. Just trying to be better at credit I am attentive to when the statement closes which means reports to the agencies. In that same area it stated my next statement would be on XX/XX/XXXX, it is the XXXX and I still have not received a statement. Looking over my credit report it seems that the company reports incorrect information if we are going by the standards of reporting the amount at the end of each statement close dates. I have XXXX credit cards with this company, my Sam 's club card is due on the XXXX and statement close date is XXXX, this was reported on all three reporting agencies on the XXXX of XXXX, my Amazon payment is due on the XXXX and the statement date is also the XXXX, this was reported on XX/XX/XXXX but the amount was not the amount of what was on my statement which was {$190.00}, this amount was paid before the XXXX so this should have not shown as balance due, then the amount that has been reported prematurely is {$230.00} and that too has been paid in full prior to the due date which should show a XXXX balance not only on their website but also to all three credit agency. This is showing that I am using far more than 30 % of my credit limit and causing my credit to take over XXXX point hit when I am using the credit properly and paying my bill as I am supposed to.

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 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Tried to transfer money to XXXX XXXX in the transaction amount of {$3500.00}, the transaction got declined from the side of XXXX XXXX, and the money was never received by XXXX XXXX, but the money got deducted from Capital one Bank account. 

I also added money to my XXXX XXXX using two of my other bank accounts, And the transactions went smoothly.

I called the customer service and it is of no help.

This is a big mental harassment, I needed to transfer the money to someone today and now the money is gone, and I do not know where. 

Capital one seriously needs to start an online chat section and customer support online section where we can write our complaints online and chat with customer service online, because the customer service XXXX  right now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute the debt reported by National Credit Adjust on my credit report, as detailed in the attached documentation. I do not acknowledge this debt as valid and request a complete and thorough investigation into the matter. 

Discrepancies Noted : The account status is reported inconsistently across XXXX and XXXX, with XXXX listing it as " Open '' and XXXX as " Closed. '' There are incorrect dates of last payment, with XXXX reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 
The payment status is also inconsistent, with XXXX reporting " Late 120 Days '' and XXXX as " Collection/Chargeoff. '' These discrepancies raise serious concerns about the accuracy and validity of this account. 

Request for Debt Validation : I formally request that National Credit Adjust provide the following documentation within 30 days : Debt Validation - A full validation of the debt, including the original purchase agreement between them and the original creditor. 
Proof of Licensing and Bonding - Documentation proving that National Credit Adjust is licensed and bonded to collect debt in my state. 
Proof of Ownership - Clear evidence that National Credit Adjust is the legal owner of this debt. 
Revocation of Communication Rights : Effective immediately, I revoke any and all rights for National Credit Adjust to contact me via phone, text, email, or any form of electronic communication. All future communication must be done via postal mail to the address listed above. 

I appreciate your prompt attention to this matter and expect a response within the statutory time frame. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
About a month ago, I started receiving calls from various area codes, each time with a different number. The incidents they described didnt match my whereabouts on the dates they mentioned. When I asked which hospital they were collecting on behalf of, they provided a name. I contacted the hospital directly, and they informed me that they don't work with that debt collection company and that I don't owe any money. 

I then requested a letter from the " manager, '' which they sent to my email. I researched the information they provided, only to find that the address on the supposed medical bill was actually a random XXXX XXXX store. The letter had information that didn't match mine either like my address or my social. I also came across reviews online from others who had been scammed by the same company, confirming that it was a fraudulent operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-29 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your 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 non-monetary relief
Consumer complaint received 2024-08-29 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your 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 2024-08-29 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: MN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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